insurance guide
Taxi Insurance Guide
Read about the most common taxi insurance features and exclusions in our product guide, and find out whether you need to take out a policy.
View insurance guide
Before you pick up your next fare, pick up a quote from our Taxi and Private Hire insurance specialists.
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We can cover single cars or a fleet of vehicles, public hire or private hire, chauffeur or executive use. We have products which will provide cover for any type of vehicle, from a hatchback to a minibus and from a coach to a limousine. We can provide cover to meet your needs.
You will have access to a dedicated team available 24 hours a day who will work for you to keep you in work. If all else fails and you’re out of pocket through no fault of your own, our loss of earnings cover is here to help. Whether the accident is your fault or not, we can keep you on the road and earning with a replacement plated taxi.
If all you need is the basics, we have third party schemes ready and waiting. However, to cover all eventualities try our comprehensive cover options to get that extra comfort buffer. Plus, we’ll explain our cover in plain English so if you’re unsure of the difference between passenger liability and public liability, we’ll make sure you’re clear on what you need and that you only have it on your policy if you need it.
Whether you’re driving in the highlands of Scotland or through the valleys of Wales, an inner city cabby and your office is on one of the many busy streets or you prefer the quieter side of taxi driving and ply your trades in a rural village or coastal town. North, South, East and West, coast to coast we’ve got you covered with UK wide rates and schemes.
Browse through our series of guides, articles and infographics to find out just how much we know about the people, items and businesses we cover.
insurance guide
Read about the most common taxi insurance features and exclusions in our product guide, and find out whether you need to take out a policy.
View insurance guide
insurance guide
To some involved in the road haulage fleet insurance sector, the term ‘risk management’ may still mean little more than claims analysis and driver training. Whilst those can be helpful steps along the path of risk improvement, arguably such measures fail to fully recognise and address some key issues that can have a catastrophic impact on the well-being of not simply truck drivers but various key stakeholders including other road users – and insurers.
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With roads growing busier and distractions growing greater, keeping drivers safe and insurance claims down is increasingly vital for transport operators. Read how new vehicle safety features can help.
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Placing occupational road safety at the heart of the business is crucial for vehicle firms. Learn how to create the right occupational road safety culture to ensure your fleet stays on the road, and reduce your transport insurance costs.
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Cutting the frequency and severity of claims can help reduce your truck insurance and fleet insurance premiums. Read our guide to installing camera systems for your vehicles, which can help achieve this by encouraging your drivers to be more careful and providing clear evidence when incidents occur.
Passenger liability provides cover for any member of the public who are injured whilst they are in your vehicle or whilst they are entering or exiting your vehicle, this cover is provided on every taxi policy issued in the UK. Public liability [Depending on your insurer, this cover may already be included or maybe available at an additional cost] provides cover for any member of the public who you are legally responsible for between your vehicle and any premises they are entering or exiting; a good example of this is a school contract where you are legally responsible for the child when they exit your vehicle and until they enter the school gates.
We offer a number of ways to pay for your premium including credit facilities over 9, 10, 11 or 12 months [subject to an interest charge]. Credit & Debit cards and cheques are also accepted for full or partial payment. Credit cards are subject to a 2.5% charge.
Yes, you can add additional drivers to your policy at any time. Simply give us a call and we will be on hand to make the necessary changes. We advise you check the terms and conditions of your policy beforehand to make sure the driver meets the minimum criteria. The cost to make changes to you policy is usually £15
From an insurance perspective your spouse can be named as an additional driver on any taxi policy however if they do not hold a taxi badge you require written permission from your licensing officer to allow anyone who doesn’t hold a taxi badge to drive a vehicle which is registered and plated for hire and reward this applies even if you have removed the plate and any livery from the vehicle before you let them drive. These rules do not apply in Scotland where you can allow your spouse to be named on your taxi policy without prior approval from your licensing officer.
Insurers need to know about any accidents, incidents or loss that you have been involved in on any motor policy within the last 5 years. This can include any policy where you were the policyholder and a named driver was involved in an accident or incident that occurred whilst you were driving. You will also need to advise us of any claims involving fire, theft, malicious damage or glass.