Taxi Insurance

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Comprehensive cover for UK taxi professionals

Taxi driving is more than just a profession; it’s a commitment to providing safe and reliable transportation. Whether you’re a private hire driver, a traditional black cab operator, or an Uber partner, your taxi is not just a vehicle—it’s your livelihood. Ensuring the right protection for it is paramount.

Taxi insurance is not a one-size-fits-all solution. From public hire vehicles like hackney carriages to private hire cars, minibuses, chauffeurs, and even wedding car drivers, the insurance requirements can vary widely. It’s essential to understand the specific needs of your taxi business to choose the right policy.

Why do I need taxi insurance?

What does taxi insurance cover?

What type of taxi insurance do I need?

There are several different types of insurance, and the type you need will depend on your business.

Public hire insurance

Public hire insurance

Public hire insurance is the type of insurance you need if you want to pick up fares from the street or from a rank. You’ll need to have public hire taxi insurance if you want to work as a taxi driver in most cities. It also covers you if you’re working as an Uber driver.
Private hire insurance

Private hire insurance

Private hire insurance is the type of insurance you need if you’re only picking up fares that have been booked in advance. This could be through a minicab company or an online booking service. You don’t need private hire taxi insurance if you will only collect passengers from a taxi rank.

This type of insurance covers damage to your vehicle whilst transporting passengers, should you be involved in an accident.

Taxi fleet insurance

Taxi fleet insurance

Taxi fleet insurance is a type of insurance that covers multiple taxis. This can be a good option if you have more than one taxi or if you’re part of a taxi business.

Taxi fleet insurance can help you get discounts on your premiums, making it easier to manage your insurance coverage. It also covers any accidents that occur while you’re driving your passengers to their destination.

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The different levels of taxi insurance cover

There are various levels of cover available with insurance. The type of cover you choose will depend on the type of business you’re in and the level of risk you’re willing to take.

The three most common levels of cover are:

Fully comprehensive

Fully comprehensive insurance is the highest level of cover you can get. It covers you for damage to your taxi, as well as for any damage you cause to other people’s property. It also covers medical expenses and any legal costs that might come up from an accident. This is usually the most expensive type of cover, but it offers the most protection.

Third-party, fire and theft

Third-party fire and theft insurance covers you for damage you cause to other people’s property. It also covers you if your taxi is stolen or damaged in a fire. This type of cover is generally cheaper than fully comprehensive, but it doesn’t offer as much protection because damage to your taxi isn’t covered in the event of an accident.

Third-party only

Third-party only insurance is the most basic level of cover. It only covers you for damage you cause to other people’s property. This is usually the cheapest type of cover since it offers the least protection. Your taxi, any medical expenses or legal costs are not covered by a third party only policy.

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Additional cover for your taxi

There are many add-ons available for taxi driver insurance policies because it’s unlikely everything you need will be covered as standard.

Legal cover

This covers any legal costs that might come up from an accident – it’s worth having because these costs can quickly add up to a huge sum. It will provide some cover for hiring a lawyer if you’re involved in an accident and have to go to court.

Breakdown cover

This covers the cost of getting your taxi fixed if it breaks down, as well as towing it to the mechanic. You never know when a breakdown will occur, so it’s a good idea to be prepared with breakdown cover.

Public and employers’ liability insurance

Liability insurance covers any damage you cause to other people’s property. It also covers any injuries that your passengers might sustain while they’re in your taxi. It’s essential for business owners, including those running a taxi service, and can safeguard you against huge legal costs should an accident occur.

Windscreen cover

Windscreen cover covers the cost of repairing or replacing your windscreen if it’s damaged. This can be quite costly, so it’s worth investing in.

Replacement vehicle cover

It covers the cost of renting a replacement vehicle if your taxi is stolen or damaged beyond repair. It also covers the cost of hiring a replacement vehicle if your taxi is involved in an accident and cannot be used.


Telematics is a technology that allows your insurance policy to be tailored to your individual needs. It uses a small device called a telematics box to track your driving habits. This information is used to calculate your risk as a taxi driver, and premiums are adjusted accordingly.

Excess recovery

This add-on covers the cost of recovering your excess if your taxi is stolen or damaged beyond repair.

Personal driving and commercial activities

The taxi insurance panel recognise the diverse roles of today’s taxi drivers. Whether you’re engaged in personal driving, private hire work, or even food delivery, we have tailored solutions to cover all aspects of your profession.

How much is taxi insurance?

Compare taxi insurance quotes & save with Utility Saving Expert

How can I reduce my taxi insurance premiums?

Compare taxi insurance quotes

Every insurer calculates premiums differently, so comparing several insurance providers’ policies is essential. This will help you find the best deal for you and get access to cheap taxi insurance quotes. For instance, you might find that one insurer offers a discount for having a telematics box fitted to your taxi.

Pay your premiums upfront

If you can afford to, you might want to pay your premiums in one go. This will often result in a discount from the insurer. Paying premiums monthly usually means that you’ll end up paying more in the long run because of the charged interest.

Improve security in your vehicle

Improving security in your taxi can help to reduce the taxi insurance cost. This includes fitting an alarm, immobiliser or tracking device. These devices will make your taxi less attractive to thieves and could help to lower your premiums.

Build up a no-claims discount

A no-claims discount is a discount that is given to taxi drivers who don’t make any claims on their insurance. The longer you go without making a claim, the higher your discount will be. This can help to reduce the cost of your taxi insurance over time.

Park your vehicle in a secure location

Theft is one of the main reasons for taxi insurance claims, so parking your vehicle in a secure location can help to reduce your premiums. This includes parking in a locked garage or car park so that your taxi is less likely to be stolen.

Avoid modifications

Modifications to your taxi can increase the cost of your insurance. This is because they can make your vehicle more expensive to repair or replace if it’s stolen or damaged. If you do need to make any modifications, make sure you tell your insurer so that they can adjust your premiums accordingly.

Increase voluntary excess

The excess is the amount of money you have to pay towards a claim. The higher your excess, the lower your premiums will be. However, you should make sure that you can afford to pay the excess if you need to make a claim.

Restrict the number of drivers

If you only allow certain people to drive your taxi, you can reduce the cost of your insurance. The insurer will know that the taxi drivers are reliable and have a good driving record. For example, you might only allow people over the age of 25 to drive your taxi.

Customer reviews

Tyler Price

Results appear very quickly on the website, and it is very easy to use. Upon selecting the right insurer, it takes you to their website for completion. As a result, I saved almost £100 over the quote I received from my previous insurer. I’m impressed!

Date of experience: 06 December 2022
Source: Trustpilot

J Osborne

2nd time I’ve used the site. There quite new as comparison sites go, but, what I really like is that not only do they save me plenty of £££, they also donate to fuel poverty charities to help those in need.

Date of experience: 03 March 2020
Source: Trustpilot

Mike Rye

Used to get insurance for delivering as an Uber Eats driver. Got a few quotes from brokers and ended up with a great deal.

Date of experience: 04 March 2020
Source: Trustpilot

Jon Scott

Good service, easy to use. Will use again as helped me save some money.

Date of experience: 04 March 2020
Source: Trustpilot

Why compare taxi insurance quotes with Utility Saving Expert?

Finding the right taxi insurance can be difficult. There are many factors to consider and a wide range of policies to choose from. However, Utility Saving Expert makes it easy to compare insurance quotes from a variety of insurers.

The comparison service has a wide range of taxi insurance partners, so they can compare quotes from different providers on your behalf. This means that you don’t have to waste time trawling through the internet to find the best deal.

We also have a team of experts who can answer any questions you have about taxi insurance. So, if you’re not sure what type of cover you need or you want to know how to reduce your premiums, we can help.

Simply enter your details into the online form, and they’ll compare insurance quotes from a range of providers. They’ll also help you to find the best deal for your needs, so you can save money on your taxi insurance.

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Frequently Asked Questions (FAQs)

What types of vehicles are covered by taxi insurance?

Taxi insurance is designed to cover vehicles that are used for commercial purposes. This includes cars, vans, and minibuses used to transport passengers for a fee.

Why is taxi insurance so expensive?

Taxi insurance is more expensive than regular car insurance because there is a greater risk of accidents and theft because of the nature of the job. Taxi drivers also need to be covered by public liability insurance in case they injure a passenger or a pedestrian.

Who can get taxi insurance?

Taxi insurance is available to anyone who uses their vehicle for commercial purposes. This includes drivers who use their cars to transport passengers for a fee and owners of minibuses and vans used for commercial purposes. Drivers must be between 23 to 75 years old and hold a public hire taxi badge.

Is taxi insurance a legal requirement in the UK?

Yes, taxi insurance is a legal requirement for anyone who wants to operate a taxi in the UK. This is because it covers the taxi driver for any damage or injury that they may cause to passengers, other road users or property.

How does my taxi’s location affect insurance costs?

Your taxi’s operating location, whether it’s Birmingham, London, or a small town, can significantly impact your insurance costs. Different cities have varying risk profiles, traffic conditions, and regulations that can influence your premium. Understanding these factors can help you find the right coverage for your specific location.

What impact does my taxi’s make, model, and modifications have on insurance?

The age, make, model, and any modifications made to your taxi can affect your insurance price. Opting for a standard, locally manufactured vehicle without high-end modifications may lead to more affordable insurance options. Regular servicing and compliance with road rules can further reduce your premiums

Can drivers under 25 get taxi insurance?

If you’re under 25, finding taxi insurance can be challenging. Some providers may offer coverage, but premiums can be higher due to perceived risks. Exploring specialist insurers and considering options like telematics insurance can help younger drivers find suitable coverage.

What are the differences between private hire, Uber, and PCO insurance?

While private hire and Uber insurance are often similar, understanding the specific requirements for each, including PCO insurance for London taxis, is essential. These distinctions can affect your coverage and compliance with local regulations.

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