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Taxi Insurance

Before you pick up your next fare, pick up a quote from our taxi and private hire insurance specialists.

  • Taxi insurance for all types of hire and reward vehicle - whether you need black cab cover or private hire insurance
  • Get a £25 discount if you refer a friend and they buy a Towergate taxi insurance policy*
  • Taxi breakdown cover including separate onward travel to get your passengers to their destination (optional cover)

Get in touch with us online to request a taxi insurance quote.

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Contact us directly for a tailored private hire or taxi insurance policy

01903 875420

Weekdays 9.00am - 5.00pm
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Features of our taxi insurance

Taxi insurance, hire and reward vehicle cover and chauffeurs vehicles insurance

We can offer taxi insurance for 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. W

Taxi insurance with 24 hour claims assistance

Our taxi insurance can include 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.

Flexible levels of cover to meet your taxi insurance needs

If all you need is a basic taxi insurance scheme, 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 taxi insurance 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.

UK-wide taxi insurance

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 taxi insurance rates and schemes.

*Offer applicable at your next renewal. £25 off your premium including Insurance Premium Tax (IPT).

Taxi Insurance Claims

Need to make a claim?

Call or email us and we’ll provide assistance in settling your claim

01903 875420

Lines are open Monday to Friday, 9am-5pm

Taxi Insurance Articles & Guides

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.

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Keeping your fleet costs down

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.

Occupational Road Safety


Reduce the Risk: Occupational Road Safety for Your Vehicles

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.

Fleet Insurance


Using Camera Systems to Reduce Your Fleet Insurance Costs

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.

Taxi Insurance FAQs

What is the difference between passenger and public liability and do I need both as part of my taxi insurance?

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 provides non-motor liability cover for passengers whilst outside your vehicle, either being escorted or in the custody and control of your driver and has been designed to comply with licensing authorities' requirements. Most licensing authorities do not stipulate that you require public liability insurance unless you have a contract in place with your local council, but we would recommend you have some form of public liability cover. Some policies include this as standard and some do not - if you have any queries, please call one of our advisers on 01903 875420.

What payment options are available for your taxi insurance?

We offer a number of ways to pay for your premium including monthly direct debit instalments.

Am I able to drive other cars on my taxi insurance policy?

No. All single taxi policies we offer exclude cover for driving other vehicles.

Can my spouse drive my taxi for social or domestic purposes and be covered by my taxi insurance policy?

From an insurance perspective, your spouse can be named as an additional driver on a taxi policy. However, if they do not hold a taxi badge, you will 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 purposes. 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. Please call 01903 875420 to discuss this further.

Do I have to tell you about all incidents?

Insurers need to know about any accidents, incidents or loss that you have been involved in on any motor policy within the last five 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.

Does your taxi insurance include legal cover?

This comes as standard with some policies and with others can be purchased as an optional add-on. This type of cover is needed for claiming loss of earnings following a accident that is not your fault and if you wish to claim for loss of earnings and a replacement licensed vehicle. We also offer an enhanced legal cover in which should you have an accident that is your fault, the insurers will still provide a replacement licensed vehicle. However, this level of cover does come at an additional charge.

What types of car can taxi fleet insurance cover?

Taxi fleet insurance can cover a mixture of different vehicles on the same policy. Hatchbacks, people carriers, minibuses and even coaches can be included as well as, black cabs and mini cabs, for private hire or public hire.It's best to talk through you needs with the team so just give us a call.

How old do my taxi drivers need to be?

Most of our taxi fleet insurance policies will cover drivers of 25 and over. However, if one or more of your drivers is under 25, we can find policies for you which cover drivers over 21.

Can any of my taxi drivers drive any of my cars?

We have the flexibility to offer an any-driver policy which will enable any driver to drive any car. However, if you have one or more drivers who you prefer to drive a particular vehicle, our policy can accommodate this too.

Can I insure the vehicles I own and owner-driver vehicles?

Some of our insurers offer policies to insure a mixture of business-owned and owner-driver vehicles. Please talk to us and let us know all the details about your fleet in this respect.

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