Taxi Fleet Insurance Quotes

Two. Most insurers write taxi fleet policies from two vehicles upward, and a mini fleet of two to five vehicles on hire and reward is a common start for small private hire operators. Because individual taxi policies are already expensive, consolidating two cabs onto one fleet gives a single renewal, one claims process and per-vehicle pricing that typically works out 10% to 20% cheaper than separate policies.

Yes. Every vehicle carrying paying passengers for a fare must be rated for hire and reward. Standard car cover, including Class 1 or Class 2 business use, is void the moment your first passenger gets in, leaving you legally uninsured under the Road Traffic Act 1988. This applies to hackney carriages, private hire minicabs, Uber and Bolt. The complete guide to taxi insurance explains the legal trigger and use classes.

From two vehicles, savings are typically 10% to 20%; from three upward, 15% to 25%, widening as the fleet grows. Because individual hire and reward policies are already among the priciest motor products, even 10% per cab adds up fast. A fleet also replaces multiple renewals, brokers and claims lines with one. Comparing fleet versus separate policy costs side by side gives the definitive answer for your cabs.

Every driver must hold the correct council-issued licence for their work: private hire drivers need a PHV licence and driver badge, public hire drivers a hackney carriage licence, and London drivers a PCO licence from Transport for London. Each vehicle also needs a current local authority licence confirming it has passed the compliance test. Insurers check licensing at underwriting, and a lapsed or revoked badge or plate voids the policy.

Yes. Many operators run private hire minicabs and public hire hackney carriages under one fleet policy. Each vehicle is rated on its own licence type and use class, but the fleet discount covers the whole portfolio. A private hire vehicle rated for pre-booked work cannot take street hails, while a hackney carriage rated for public hire covers both but costs more. Keep every schedule matched to your local authority licensing.

Yes. Uber, Bolt and other app-based private hire drivers can go on a taxi fleet policy provided it is rated for private hire, hire and reward, and every platform is declared to the insurer. Running Uber and Bolt across a 24-hour shift is a different risk to weekday daytime work. Also confirm the policy covers between-trip periods, when the driver is logged in and waiting but has no active passenger.

Yes. Passenger liability is a core part of hire and reward cover, not an add-on. Your policy covers injuries to passengers in the vehicle, including while getting in and out, as required under the Road Traffic Act 1988. It does not cover lost property or service complaints. Fleets on school transport or carrying wheelchair users may need additional public liability cover on top of the motor policy for contract work.

For most taxi fleets, any driver is the practical default because shift-based work means sickness, rotation, relief drivers and quick new starters. Named cover needs every driver declared first, which stalls a busy operation. Any driver typically costs 15% to 25% more, though a small, stable team on fixed vehicles saves with named cover. See the full comparison of named driver versus any driver cover by fleet size.

Yes, though taxi fleets face tighter scrutiny than standard commercial fleets. A couple of SP30 speeding points across a cab fleet is routine, adding a modest loading. Serious offences like a DR10 drink driving conviction or a TT99 disqualification narrow the panel sharply. Specialist brokers place these daily, but full disclosure is non-negotiable: an undisclosed conviction can cost the policy, your licence and your business. Compare taxi fleet insurance from specialist UK brokers.

You will need a vehicle schedule with registrations, values and licence types; driver details including licence and council badge numbers plus any convictions; your hire and reward type; the platforms you use; shift patterns and overnight parking; and three to five years of claims history. Underwriters also want copies of vehicle licences and driver badges. The full guide to fleet insurance documentation covers the core requirements.

Claims frequency is the biggest lever: cut the minor bumps and parking scrapes of urban cab work through driver training, and self-fund cosmetic damage below £500. Fitting fleet telematics evidences safe driving, while dashcams settle disputed liability and deter fraudulent passenger claims. Raising the any driver age from 21 to 25 saves 12% to 18%, secure overnight parking cuts risk, and comparing brokers each renewal beats auto-renewing.

When an Uber or Bolt driver is logged in and waiting for a booking, they are working but have no active trip. Platform contingent insurance usually covers active trips only, so the gap between fares can fall outside it, exactly when many incidents happen while repositioning or waiting. A comprehensive fleet policy should cover the whole shift, not just active bookings. Confirm with your broker that waiting periods are included.

Yes. Most taxi fleet policies let you add, remove or swap vehicles mid-term, with the premium adjusted pro-rata so you only pay for cover used. Adding a replacement is usually a phone call confirmed the same day, which matters when a cab cannot sit idle. This avoids the cancellation fees of replacing a standalone policy. See the guide to adding and removing vehicles from a fleet policy.

Taxi fleet insurance covers accidents, theft, fire, vandalism, third-party liability and passenger injury, but not running costs: breakdowns, worn brakes, tyres and servicing are yours. The exclusions that catch operators out involve licensing and use class: a lapsed council badge or expired vehicle licence, a private hire car taking street hails, undeclared platforms or modifications. Understanding how fleet insurance works including exclusions before a claim is essential.