Taxi Insurance

Taxi Insurance UK

Being a Taxi driver is a fantastic occupation, although it’s one that comes with its own challenges and hazards too. Meeting new people can be a great aspect of the job, but sometimes you’ll have to deal with objectionable passengers too. And for every hour spent enjoying driving the streets of your favourite city, there’s another hour you’ll spend stuck in traffic that drives you up the bend. While unfortunately we can’t help you with any of these, we can assist you with that other great chore of being a taxi driver – navigating the confusing and often expensive world of Taxi insurance. At High Gear Insurance we’ve got a team of experts on hand ready to compare Taxi insurance on your behalf to help you find the very best deals around. But before you start shopping, take a quick look at our simple guide designed to help you easily understand the ins and outs of Taxi insurance.

Do I need Taxi Insurance?

Taxi insurance is a legal requirement for anyone that intends to charge a fee to carry passengers any distance. Whether you are a private hire driver who only picks up passengers at pre-booked appointments or a public hire driver picking up passengers without booking, you must have insurance in order to be operating within the law. Because all motor vehicles must have insurance unless they are declared SORN (Statutory Off Road Notification), you’ll need to make sure your taxi is covered even if you only use it a few times a year. Keeping a vehicle without insurance is illegal, and you could face a big fine if caught.

Why does Taxi Insurance cost more than regular Car Insurance?

When you first start looking at policies, it can be overwhelming and frustrating when you realise how much more expensive it is to insure your taxi than to insure a regular car. While this can seem unfair at first, the higher rate is due to a few reasons: mainly, the fact that as a Taxi driver you are likely to cover far more miles than the average car driver – and often in more congested traffic such as city centres – making your risk of a potential accident higher. This risk is reflected in a higher premium for your Taxi insurance. Also, taxi drivers often drive larger vehicles and carry more passengers than regular drivers – a fact that again is reflected in the cost of your insurance.

What are the different types of Taxi Insurance?

What type of Taxi insurance is right for you depends on the type of service you offer your customers. If you are operating on a private hire basis, taking telephone or internet bookings from passengers and arranging to collect them at a pre-arranged time, then you need private hire insurance cover. This insurance covers you for all pre-arranged bookings, but does not allow you to pick up customers on an ‘ad-hoc’ basis – e.g. waiting at a taxi rank for a fare, or allowing passengers to hail you in the street. If you want to be able to carry both types of fares, you need a public hire or ‘hackney carriage’ license. These policies are used to cover vehicles such as London Black Cabs whose drivers wish to accept fares on a more informal basis. You will need public hire cover if you want to pick up passengers without prior bookings at places like train stations and airports, or in busy city centres at the weekends.

What types of cover are available?

Taxi insurance companies offer a range of different coverage options, so make sure you check that your policy covers everything you need. Typically, insurers offer three types of cover: Third Party Only (TPO), Third Party Fire & Theft (TPFT), and Comprehensive (Fully Comp) Insurance. You can choose to insure only yourself to drive your vehicle or insurance that allows anyone to drive your taxi. All of these options can be applied to both private and public hire vehicles, so there are plenty of ways in which you can personalise your policy to get the right cover for you. There are some other types of policy you can consider too: for example, drivers who work for companies rather than as individuals may want to look into getting Taxi Fleet Insurance that covers all the vehicles in your fleet. You might also want to consider paying a little extra for an ‘unlimited mileage’ policy, although it’s worth taking some time to estimate your annual mileage to see if it’s worth the cost. If you’re under 25, you might find it difficult to find a policy to cover you. Because Taxi insurance carries a higher level of risk for the insurer than regular insurance, their minimum age limits are often slightly higher. That’s not to say it’s impossible, though – talking to the experts at is a great way to learn more about what options are available to you.

How to get cheap Taxi Insurance deals?

Nobody likes spending a fortune on something that’s essential to their jobs – particularly if it’s something like Taxi insurance that you can’t work without. However, there is light at the end of the tunnel for those that are watching the pennies and hoping to find the very best deal. Here are some simple steps you can take to get lower quotes for your insurance:

Choose your car carefully

Did you know there are as many as 50 different Car Insurance Groups that vehicles are split into? The Group Rating Panel (a national team of insurance experts) decides which group to place a vehicle in dependent on a variety of factors including repairs, the value of the vehicle and the cost of spare parts. Those in the higher groups cost more to insure, while those in the lower groups attract the cheapest insurance quotes. Take the grouping of your vehicle into consideration when choosing a car – although remember that other factors such as fuel efficiency will also have an impact on overall costs.

Use your no-claims bonus discount (NCB/NCD)

If you’ve been driving a personal vehicle for a while without incident and have built up a no-claims discount (Also known as NCB or NCD), some insurers might allow you to transfer this over to a public or private hire policy. Similarly, if you spend years behind the vehicle of your cab without making any claims, you can reap the benefits of your safe driving with cheaper premiums in the future.

Use a price comparison service

Once you’ve got your head around the basics of Taxi insurance, the best way to make sure you get a great deal is to use an insurance comparison service like to find out more about what options are available to you. At we’ll take on board all the details about you and your business, then shop around all the insurers on your behalf to find the very best deals for you.

I have convictions or points on my license – Can I still get insured?

Firstly, always declare your motoring (and non-motoring) convictions. If you have been convicted of a motoring offence this can have a detrimental effect on the price of your premium, or even being offered coverage at all. At High Gear, we offer various schemes that can help convicted drivers. Please visit this link to learn more about our Convicted Driver Taxi Insurance.

Can I be a named driver and save money on my insurance premium?

Most insurers will rate the premium based on the highest risk. The other disadvantage of being a named driver is that you will not earn any no claims bonus. In some cases it could be cheaper for insured & spouse on personal car Insurance, however, this also depends on various other risk factors.

Do you offer Taxi Insurance to Young Drivers?

Yes, we have fantastic Taxi Insurance schemes for Young Drivers, however, our minimum age is currently 21.

Do you insure Uber driver?

Yes, we have schemes available for Uber driver taxi insurance.

Do you offer weekly or monthly Taxi Insurance policies?

No, we don’t currently offer weekly or monthly policies, however, we offer competitive monthly payment plans to spread your insurance payments over the year. Please note that you cannot earn a No Claim Bonus discount with weekly/monthly policies. Got any more questions about taxi or private hire Insurance? At High Gear we’re experts on all the ins and outs and how they affect you as a driver – so don’t hesitate to get in touch and we’ll do our best to answer any queries you might have.

Highgear takes the boredom out of Taxi Insurance.


Woking Taxi Drivers Undertake Mandatory Child Sexual Exploitation Training 

Woking Taxi Drivers Undertake Mandatory Child Sexual Exploitation Training 

At High Gear we have always held the taxi driver in high regard, understanding that they have to practice in a manner that is socially responsible. The area of Woking have this week come round to our way of thinking, wanting to roll out Child sexual exploitation training to the drivers of Woking.

Asking councillors for their support on January 19, chairman Councillor Carl Thomson said local governing bodies need to be aware of the role the taxi trade can play both in facilitating or combatting exploitation.

“I think this is quite a timely thing for us to be looking at in a borough like us where we’ve got a large number of taxi drivers,” Cllr Thomson said.

“I think the training could be quite useful particularly in communities where tax drivers might come from diverse backgrounds and could certainly benefit from help and understanding their responsibilities and what they need to look out for and how they are impacted by laws on trafficking and exploitation.”

Could this put people off joining the trade?

With a strenuous training process already in place for taxi drivers some worry that another course could be detrimental to the introduction of new blood into the industry.

Councillor Liam Lyons said: “Some of it can actually be dangerous, if it’s not taught in the right way it can actually teach people who are involved or intend to be involved in CSE, how to hide their tracks more carefully.”

“As it is at the moment, you have the enhanced CRB check, DVLA drivers check, medical, DVLA taxi test and knowledge test,” she said.

“It can take anywhere from three to six months to complete. This puts people off, adding yet another course on top is going to do this further.”

Let us know what you think, is this proposed training regime a necessity or a waste of money? Leave your comments below.

Taxi Insurance: Buying Guide

Taxi Insurance: Buying Guide

Searching for the perfect taxi insurance policy can be tricky, with many factors influencing whether or not a cover plan is right for you. From the amount of excess proposed to the price of the premium quoted, it is worth knowing what you require from your insurance before making any decisions.

At High Gear we pride ourselves on giving our customers what they want, catering to their insurance needs and visions. Whatever type of cover you are on the look out for, be sure that our team can provide all the answers to your queries. Whether you are in need of taxi motor insurance, private hire cover or public hire insurance, we are here to help.

Below you will find our Taxi Insurance buying guide. By following this you can be sure that your High Gear insurance policy ticks all the boxes.

Taxi Insurance: Step by step guide

Taxi Insurance Buying Guide Infographic

Taxi Insurance Buying Guide Infographic


Infographic Presented by High Gear Insurance

5 Common Taxi Insurance Mistakes

At High Gear we like to think of ourselves as taxi insurance saviours, helping the drivers of the UK locate great policies that directly reflect their professional needs. Boasting the best sales team as well as an incredible database of providers means we make shopping for cab cover a pleasure, helping customers create policies that are beneficial to them.

Too often do we see taxi drivers making silly choices when it comes to their incorporations; common mistakes that could cost them a great deal of time and money in the event of a claim.

Choosing a taxi

We are constantly seeing new taxi drivers opt for unsuitable vehicles to operate, cars that do not encourage competitive rates for cover. With large engines and high price tag being more of a gamble in the eyes of the insurer it is important that as a taxi driver you think carefully before making a purchase.

At High Gear we can even provide guide rated prior to you buying you taxi, allowing you to gauge how much the car will cost to cover prior to purchasing it.

Level of cover

Where many feel that opting for a lower standard cover type will save money in the event of a claim it will do quite the opposite, with Third Party Only and Third Party, Fire and Theft Taxi Insurance not covering you for at-fault claims. With bumps and collisions inescapable when working on the road constantly it is really worth covering yourself for all eventualities, with effective insurance being integral to the success of a taxi driver.

Telematics Taxi Insurance

Many drivers possess a negative attitude towards telematics insurance, believing it to be an intrusion of their privacy. However, for taxi drivers black box insurance can be a godsend, allowing cabbies to prove their driving ability to their insurers. This can be very helpful in the event of an accident also, having a record of the cab’s movements, breaking and speed.

Not protecting no claims

Having a no claims record can save taxi drivers up to 40% on their cover plans, serving as a golden ticket to cheap taxi cover. This is why protecting no claims is a very popular insurance extra of late, with many recognising the benefits of the small outlay.

Deciding on a courtesy car

Some taxi drivers do not see the benefits of incorporating a courtesy taxi into their insurance agreement, being this upsell to not really help them in their business. Choosing to feature a courtesy car in your policy is actually an incredibly sensible business choice, allowing taxi drivers to continue working when their taxi is off the road.

If you are interested in setting up a taxi insurance policy then call us today and speak with one of our expert brokers.

Hackney Carriage Taxi Insurance

Hackney Carriage Taxi & Private Hire Insurance

At High Gear we make shopping for Cheap Taxi Insurance a simple task, working alongside a panel of expert insurers to deliver an impeccable service. Well known for our amazing hackney carriage cover plans our team are passionate about helping you locate the right policy, going to great lengths to save you both time and money.

What is a Hackney Carriage?

A Hackney Carriage is very different prom a private hire vehicle with drivers able to be hailed by prospective passengers in the street. With the ability to offer transport without being booked in advance a hackney carriage driver sports different risks than your average private hire driver, this requires expert insurance.

Hackney carriage cover plans

We do not offer generic cover plans to any of our customers, creating bespoke-made agreements based on their taxi driving duties. By doing so we provide extra peace of mind, ensuring our customers can transport their passengers with complete confidence.

With hackney carriage insurance being a specialist area you want to make sure you select the right company for you, enjoying a policy of a certain standard and for a price that suits. From the level of cover to the additional options available, we can help devise a plan that protects you, your car and the future of your business.

Why insure with us?

In addition to being a specialist in Taxi & Private Hire Insurance there are plenty of other reasons to choose us including:

  • Unrivalled customer service
  • Competitive rates
  • Excellent product knowledge
  • Fast documentation
  • Monthly payment plans available
  • Many additional extras available
  • And much more

To get a quote call us today and speak to a taxi insurance professional.

Taxi Insurance for Ride Sharing Apps

Taxi Insurance for Ride Sharing Apps

In the modern world technology plays a huge role in our day-to-day lives, especially when it comes to ordering taxis and minibuses. With the emergence of businesses such as Uber, Lyft and other ride-sharing applicators taxi drivers now operate in a different manner.

What is a taxi-sharing app?

Taxi apps allow customers to pre-book taxis through many different devises, proving to be very much accommodating to busy workers in the city. Where there is much dispute over whether or not such companies should be categorised under the private hire umbrella in the eyes of the insurer they are still taxis, therefore require specialist cab insurance policies.

Uber approved Taxi Insurance

At High Gear we are seeing more and more customers shopping for Uber Taxi Insurance, a niche service that we have perfected over the past two years. Renowned for promoting cheap rates for this cover type we can help all types of drivers, no matter what taxi they drive or the area in which they operate.

Why choose High Gear?

At High Gear we compile taxi insurance plans that speak to the modern market, understanding the risks involved in working for a taxi app and protecting our customers in accordance. So, if you are looking for tailored cab insurance then be sure you have arrived on the right website. To get a free, no obligation quote for private hire insurance call us today and speak with a taxi cover expert.


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Taxi Insurance for Ride Sharing Apps
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