Taxi insurance


taxi insurance

Compare taxi insurance

Not all taxis are the same and neither are all taxi insurance policies.

If you drive any sort of vehicle for transporting people commercially, you’ll need a taxi licence and insurance by law.

Policies can cover more than just your standard black cab - all sorts of private hire cars will need taxi insurance, as well as public hire vehicles like hackney carriages.

Our panel of insurers includes options for MPVs, minibuses, chauffeurs, wedding car drivers and the carriage of schoolchildren, so you can get the right type of cover for your business.

As with other types of vehicle insurance, you can be covered third party only, third party fire and theft, or fully comprehensive.

Get quotes for your cab with us

It won’t take long, we just need a few details to get your quotes.

  1. A bit about your cab

    Your contact details, whether you run your own firm, plus information about your taxi - its value and mileage, for example.

  2. How you use your taxi

    We need to know if you’re a private hire or public hire cab and who your taxi licensing council is. Plus whether you need to add any other drivers.

  3. Modifications and security

    Things like ramps or other adaptations for passengers with disabilities. Security devices like CCTV or Thatcham-approved alarms and trackers might even get you a cheaper quote.

Find taxi insurance quotes to suit you

Get taxi insurance

Private or public hire insurance?

If you can pick up customers from the street (think London black cabs and purpose-built taxi vehicles) you’ll need public hire insurance.

That’s because private hire insurance only covers pre-arranged appointments from a selected pick up point, like minicab drivers or airport pickup companies.

Taxi insurance add-ons

Legal cover, breakdown cover and public liability insurance are all optional ‘bolt-ons’ you might want to consider adding to your taxi insurance policy.

It’s worth checking whether you could find cheaper or more suitable cover separately for extras, rather than simply ‘bundling’ them with your vehicle cover.

London’s Uber drivers are estimated to earn £11 per hour after expenses.[2]

Could you give yourself a pay rise with cheaper taxi insurance?
[2]Oxford University report ‘Uber happy? Work and well-being in the gig economy’ (October 2018) estimates an hourly rate after taking into account licencing fees, Uber service fees, fuel, vehicle tax, maintenance, vehicle rental/repayments, depreciation and insurance

Cut the cost of taxi insurance

The size of your cab, your driving history and the mileage you cover all affect the price of your insurance. But there are still a few ways you can keep the costs down. Take a look at our top tips.

  1. Pay annually

    If you can, pay for your taxi insurance annually - monthly payments are essentially a loan with interest to pay and interest rates (APR) can be high

  2. Security and CCTV

    Installing Thatcham-approved security and CCTV or a dash cam can make you a lower risk to insurers

  3. No mods

    If you don’t need to, don’t change your car from its standard kit

  4. Secure parking

    Store your taxi in a garage or on a driveway overnight

  5. Watch out for optional extras

    Only pay for the cover you need

  6. Shop around

    We take the legwork out of comparing policies, so use our taxi insurance comparison to get the right cover at the right price

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[1] introduces customers to i-Wonder Aggregator Services Limited who is an Appointed Representative of ITC Compliance Ltd who is Authorised and Regulated by the Financial Conduct Authority.’s relationship with i-Wonder is limited to that of business partnership, no common ownership or control rights exist between us. Please note, we cannot be held responsible for the content of external websites and by using the links stated to access these separate websites you will be subject to the terms of use applying to those sites