Taxi Insurance – Frequently Asked Questions

If you are searching for the right insurance for your taxi then you may have many questions that you need answering. With insurance being an infamously confusing subject we have put together a list on the most frequently asked questions. We hope they help!

Do I need taxi insurance?

If you operate a taxi to generate income then you will require Taxi Insurance, an insurance type that helps protect the livelihood of the taxi driver. This includes private hire vehicles such as minicabs as well as public hire vehicles like black cabs. Taxi insurance is renowned for being higher than standard car insurance due to the ways in which taxi drivers use their vehicles, statistically being more of a risk to other road users.

Can I just get normal Car Insurance to cover my taxi?

No, taxi cover is specifically crafted to the lifestyle of a taxi driver, made in a way to protect them from the hazards cabbies face everyday. With the majority of taxi drivers working unsociable hours it is vital that their insurance policy reflects this. Driving in built-up areas such as inner city roads inevitably puts taxi drivers at a bigger risk than your average car used for domestic purposes.

How much is Taxi Insurance?

Taxi insurance premiums are based on a number of different factors including:

  • The driver’s age
  • The location they will be operating in
  • How old their taxi is
  • The taxi’s value
  • Whether they have no claims
  • Their driving history
  • How long they have had their license
  • Where they will keep their cab overnight
  • The hours it will be in operation

Can I drive other peoples cars under a taxi policy? Where many insurance policies allow drivers to drive other vehicles a Taxi Insurance policy does not.

Can I protect my no claims?

Yes, if you wish to incorporate this feature into your policy then that is possible. This usually comes with a charge but can save taxi drivers an incredible amount of money when renewing their policy.

Can I transfer my personal no claims over to my Taxi Insurance?

This depends on the insurer providing the quote.

Is there an age limit?

You have to be 21 years old to set up a Taxi Insurance policy in the UK.

How long does setting up a Taxi Insurance policy take?

One you have provided the insurer with all of your details and are happy with the premium quoted you can activate the policy in a matter of minutes. Many insurers will send insurance documentation via email as soon as the premium or deposit has been paid. If you wish to receive a quote for Taxi Insurance then feel free to contact us on 0800 043 7755. Alternatively, get a quote online by visiting the High Gear quote page.


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Taxi Insurance – Frequently Asked Questions
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