Taxi Insurance FAQ – Your Questions Answered

Whether you drive a Hackney carriage or a licensed minicab there are strict regulations surrounding insurance, and they can get complicated. At Quoteline Direct we have been providing ‘no nonsense’ advice and affordable taxi insurance for decades, and here are the answers to some of the most frequently asked questions:


Do I need really need taxi insurance?

Anyone who charges a fare for carrying passengers must have a dedicated insurance policy. The law applies whether you’re an owner-operator of a single taxi or run a fleet of taxis as a business.

Do I need public hire or private hire?

Public hire taxis are those which can be hailed on the street without prior booking. London’s black cabs are the best known example. If in any doubt public hire vehicles are those which display a roof-top taxi light and can pick-up from taxi ranks.

Private hire taxis can only be booked and dispatched by arrangement. Private hire taxi will invalidate their insurance if they pick-up a customer from the street.

As a leading broker we can provide great rates on both public hire and private hire taxi insurance.

Do I need public liability cover?

Public liability insurance isn’t a legal requirement for taxi drivers, but it’s a small price to pay to safeguard your livelihood. Public liability insurance is designed to cover the cost of defending any third party claims made against you, and that includes injuries caused in road traffic accidents (whether to a passenger or other road user).

Does may age really matter?

As with all motor insurance the cost of cover varies depending on the driver’s age. However, driving a taxi can be a risky business and most insurers are reluctant to offer cover to anyone under 25.

How many passengers can I carry?

The number of passengers you can carry is determined by law and depends on the size of your vehicle. If you exceed the limit you’ll be breaking the law and your insurance will be invalidated.

What is fleet insurance?

Fleet insurance is an easy-to-manage and cost-effective way of arranging cover for two or more vehicles. Policies are generally written to cover ‘any driver’ (thereby providing flexibility over who drives which vehicle) and can be a mixture of ‘third party’ and ‘fully comprehensive’. Because fleet insurance can get complicated it’s best to get a broker to tailor a policy to fit your individual needs. Common add-ons when arranging fleet insurance include: employers liability insurance, taxi office insurance and breakdown cover.

Are there alternatives to annual cover?

An annual insurance policy arranged through an experienced broker will provide the most economical cover over the course of the year. However, if cash-flow is tight it is possible to arrange short term taxi insurance (often for as little as a week) or to spread payments by monthly Direct Debit.

For great deals on taxi insurance call our dedicated team of consultants on Tel: on 0161 874 8039 or get an online quote


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