We offer flexible and cost effective private hire taxi insurance.
Getting the right level of cover at the right price is extremely important, especially when you’re using your vehicle on a daily basis as a source of income.
We have schemes that provide competitive cover and rates for taxi insurance and we can help taxi drivers who have driving convictions, a history of claims or little experience on the roads.
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As a taxi driver, you’ll know that the last thing you need is for your taxi to be off the road. The longer you’re unable to work, the more money you’re missing out on, which is why it’s so vital you have the right cover in place to protect you, your vehicle and your livelihood.
Taxi insurance is different from a standard car policy because it protects you against the specific risks you face. As a taxi driver, you spend much more of your time on the road than the average driver, often at unsociable hours and in inner-city areas, which statistically increases the risk of an accident. The vehicles taxi drivers use, such as black cabs, MPVs and minibuses are often larger and carry more passengers than normal cars, which also brings additional risks.
Anyone who drives a taxi for profit, regardless of the vehicle type or whether it’s private or public hire, will need specific taxi insurance. That’s because standard car insurance simply will not provide the cover you need, even if it includes business use. Use of your vehicle as a taxi is usually an exclusion on a standard car insurance policy and therefore, it is important to ensure that you have the right cover in place.
Standard car insurance will not provide the necessary level of cover if you use your vehicle as a taxi. For that reason, it’s essential you put dedicated taxi insurance in place. The type of taxi insurance you need will be determined by a number of factors. That includes:
- Your business type – Is your taxi for private or public hire?
- Where you operate – You need to ensure your policy is tailored to the particular regions you drive in. The premium you pay will differ depending on whether you operate predominantly in urban or rural areas.
- Vehicle type – If your taxi has more than the standard five seats then you may need a policy that’s specifically designed for larger vehicles.
The number of vehicles – If you operate a taxi business then you might find a fleet policy is the most cost-effective way to insure your vehicles.