Compare Taxi Insurance Quotes

Taxi insurance costs vary depending on whether you’re a private hire or public hire driver, your location, mileage, claims history, and vehicle type. Policies can start from around £1,500-£3,000 per year for low‑risk drivers, but city‑based or high‑mileage operators may pay more. Only a specialist taxi broker can give an accurate price.

Private hire insurance covers pre‑booked journeys only, while public hire insurance covers taxis that can be hailed on the street or picked up at ranks. Public hire policies usually cost more due to higher exposure.

Yes. Passenger liability is a core part of taxi insurance, protecting you if a passenger is injured during a journey or while entering/exiting the vehicle.

Yes, but premiums may be higher. Specialist brokers can arrange cover for new badge holders, including those with limited UK driving experience.

Most policies include social, domestic, and pleasure use, but you must check your policy wording. Some insurers require it to be added as an extra.

Insurers consider:

• Whether you’re private hire or public hire

• Your driving and claims history

• Your age and experience

• Vehicle type and value

• Mileage and working hours

• Operating area (cities cost more)

Yes. Taxi fleet insurance is available for businesses operating two or more vehicles, often reducing costs and admin.

Yes, but you must declare your platform. Many insurers now offer policies specifically designed for app‑based private hire drivers.

It’s not always included, but many councils require it. Public liability protects you if a member of the public is injured outside the vehicle during your work.

Yes, as long as the policy includes social and domestic use. If not, you may need to add it.

Yes. Specialist brokers can arrange cover for higher‑risk drivers, though premiums may be higher.

Not automatically. You can add breakdown cover, including roadside assistance and onward travel, as an optional extra.

You’ll typically need:

• Taxi badge/licence

• Vehicle details

• Claims history

• Driving licence

• Council requirements

• Mileage estimates

Temporary taxi insurance is available but limited. It’s typically used for short‑term work, vehicle collection, or replacement vehicles.

Yes, but you must declare your typical working pattern. Some insurers rate long‑distance work differently.

Yes. Most insurers offer monthly payment plans through finance agreements.

Some policies include malicious damage by passengers, while others require it as an add‑on. It’s important to check your policy wording.

Telematics uses GPS devices or apps to monitor driving behaviour. Safer driving can reduce premiums and help drivers secure cheaper renewals.

You can lower premiums by:

• Building a clean claims history

• Installing CCTV or telematics

• Driving a lower‑risk vehicle

• Working fewer high‑risk hours

• Parking securely overnight

• Using a specialist taxi broker

National Private Hire Association – The NPHA is an organisation that provides useful support and help for cabbies everywhere.

Licensed Taxi Drivers’ Association – A membership group for taxi drivers, the LTDA is also a support group for those that work in the trade.