Taxi Insurance

Choose from a wide variety of cover options and get a direct quote today to find the best deal for you.

Call us now for a Taxi Insurance quote 0333 035 9531

At Swinton, we understand that your car is much more than just a vehicle to take you from A to B – it’s your livelihood.

We also understand that as a taxi driver, you’re often driving during unsociable hours: lots of your time will be spent navigating traffic in busy towns and cities and, let’s face it, sometimes with some rather unruly passengers!

Getting the right cover for your taxi is essential, so let us do the hard work for you. We’ll compare cover from a range of specialist taxi policies that are designed to meet the needs of most types of taxis and drivers. Our dedicated taxi team is on hand to help you find a policy to suit your needs.

What is Taxi Insurance?

As a private or public hire taxi driver, it’s vital that you have the right type of Taxi Insurance. Driving a taxi can be a very stressful job which requires the right level of protection to ensure that you, your customers, and your vehicle are safeguarded in the unfortunate event of an accident or other incident.

As Taxi Insurance brokers, we’ll work with our panel of trusted insurers to find you the right policy. We can also arrange Taxi Liability Insurance, which can help to protect you if someone is injured while in your care – even outside of your car. It’s not a legal requirement, however having this extra cover can prove invaluable, so it’s worth considering the risks you’re exposed to while you’re transporting passengers.

Do I need Taxi Insurance?

If you make a living by driving a taxi, then yes, you need to have Taxi Insurance. It’s a legal requirement to have adequate insurance in place for your taxi, to cover you in the event of an accident or incident. Your standard car insurance policy would be invalidated if used for hire and/or reward. The type of taxi cover you need depends on the type of taxi you drive

Compare Taxi Insurance

We’ll compare Taxi Insurance quotes to find a suitable deal for you, saving you valuable time. When it comes to the cost of Taxi Insurance vs Car Insurance, it does tend to be more expensive. This is mainly because insurers perceive the risk to be higher as taxi drivers spend more time on the road than other drivers. 


With Swinton, you’re in safe hands.

Great reasons to choose Swinton for your Taxi Insurance

  • We work with trusted, household-name insurers to help find you the cheapest price for your Taxi Insurance.
  • Our comprehensive policies will cover your taxi for loss or damage, and windscreen replacement is included as standard.
  • And, should you need to make a claim, our claims line is open 24 hours a day, 365 days a year.

Call us now to get a quote:

0333 035 9531

We do all the hard work for you

Getting a quote with Swinton Insurance

Getting a Taxi Insurance quote from Swinton is simple and straightforward. Give our friendly team a call, and they will help you through the process step-by-step. Here’s what to expect when you speak to us:

1. Tell us about your taxi

As much information as you can give helps us find the best quote for you – from the model of your car to its average mileage, we want to know it all!

2. How do you use your cab?

Are you using your car for private or public hire? Will other taxi drivers use your vehicle? Is it also for personal use? Tell us how you use it so we can get an accurate picture.

3.How secure is your taxi?

If your car is fitted with a suitable car alarm, CCTV, tracker, or any other type of security device, your quote could be cheaper.

4.Tell us about your no claims discount (NCD)

If you’ve built up a no claims bonus with either the vehicle you’re using as a taxi or another vehicle, let us know as it could cut the cost of your premium.

What does Taxi Insurance cover include?

If your taxi is out of action, you’re losing out on income, which is why it’s so important to get the right Taxi Insurance quote to cover your needs. Our knowledgeable UK-based team of Taxi Insurance brokers is here to help and support you:

  • Our comprehensive policy will cover you for the loss of, or damage to, your taxi
  • Windscreen replacement cover is included as standard in our comprehensive cover

Plus, ask us about the following cover options:

  • Public Liability cover
  • Cover for your audio equipment up to £150
  • Up to £1,000 to cover replacement locks if your keys are lost or stolen
  • Cover for special occasion vehicles (e.g. wedding and funeral vehicles)
  • Cover for minibuses up to 17 seats (including the driver) – vehicles larger than this are considered to be coaches
  • Cover for your taxi communication equipment

We also offer optional extras, such as Taxi Breakdown Cover and Taxi Liability Insurance.

Cut the cost of Taxi Insurance

How can you drive down the cost of Taxi Insurance? The average cost of covering your taxi can vary a lot, and is dependent on many different factors, such as:

  • Where you live
  • How many miles you drive
  • Your driving history

While it’s difficult to give an accurate average cost for Taxi Insurance, here are some tips for how you can keep the price down:

  • Keep your cab safe – for example, store it in a secure location overnight (e.g. a private garage)
  • Keep your cab in good condition

What else can affect the cost of your Taxi Insurance policy?

  • As with most types of motor insurance, your age can affect the cost of your policy in that it often correlates with how many years of driving experience you’ve had
  • The more experienced you are, and the ‘cleaner’ your licence is, the more likely you are to get a good price for your Taxi Insurance

Call us now to get a quote:

0333 035 9531

We do all the hard work for you

Types of taxis we cover

As a taxi driver, your vehicle is the key to your ability to do your job and earn a living. At Swinton, we can arrange Taxi Insurance for most types of taxis and drivers. Whether you are a private or public hire taxi driver or you own a fleet of taxis, we can help you get the right cover in place. For more information about the types of Taxi Insurance we offer, read on.

Private Hire Taxi Insurance

What’s the difference between private and public taxi hire?

A private hire taxi differs to a public hire one, in that it must be booked in advance and you can’t just pick up passengers on the street. This doesn’t mean that you won’t encounter some rowdy customers from time to time, as we’re sure you’re aware!

If you drive a public hire taxi we can compare quotes and policies to assist you in getting the right cover for your needs.

How much is Private Hire Taxi Insurance?

As with all types of motor insurance policies, the cost of Private Hire Taxi Insurance can vary, due to factors such as driver and vehicle information including the driver’s age, size of vehicle, and where it’s kept overnight. The cost is usually higher than insuring a regular car, due to the risks involved with driving more miles, during unsociable hours.

Can I insure a fleet of private hire taxis?

Yes, Swinton can help you find the right insurance for your fleet of private hire taxis. We understand that as the owner of a private hire taxi fleet, you’ll face a whole range of challenges. Learn more about Taxi Fleet Insurance.

What are the private hire licence requirements?

To hold a private hire licence, there are several requirements:

  • You must be able to legally work in the UK
  • You must have held a full GB, Northern Ireland, or EU driving licence for at least 12 months
  • Your background and character will be checked – this may include an enhanced criminal record check from the Disclosure and Barring Service (DBS)

You may also need to take:

  • A medical examination
  • A ‘knowledge’ test
  • A driving test

Information taken from GOV.UK for drivers outside of London. Note that the eligibility requirements are slightly different in London.

If you have any specific questions or queries related to becoming a private hire taxi driver, we’d recommend speaking directly with your local licensing authority.

How long does a private hire taxi licence take?

The time it takes to get a private hire taxi licence can vary, and mostly depends on your local authority. Generally speaking, it’ll take three to four months, however it may take up to nine months in areas such as London, where there’s a higher volume of applicants.

How can I become a private hire/minicab driver?

Thinking about becoming a private hire/minicab driver? Here are some things to consider:

  • Using your existing vehicle as a taxi: The decision lies with the licensing authority as to whether or not they will plate your vehicle, as not all vehicles can be used as taxis.
  • Using your taxi for social use, as well as private hire: With Swinton, in addition to being able to use your vehicle for business purposes, your policy will also cover for social use too.

Public Hire Insurance

If you’re a black cab or hackney carriage driver, our dedicated taxi team is here to help you out. We always work hard to find you a great deal and save you the hassle of searching yourself – after all, with the long and often unsociable hours you work, it can be hard to find the time.

In addition to Private and Public Hire Taxi Insurance, we also offer options for taxi fleets and minibuses/multi-purpose vehicles (MPVs).

Read more about Public Hire Insurance

Taxi Fleet Insurance

Whether you’ve got two or 200 vehicles in your taxi fleet, we’re here to help you ensure you get the right insurance to suit your individual requirements.

Our dedicated Taxi Fleet Insurance managers are on hand to offer the personal service your fleet needs, and will save you both time and effort in ensuring you receive the lowest quote we receive back from our specially selected panel of UK Insurers.

Read more about Taxi Fleet Insurance

Minibus and MPV Insurance

As a minibus/MPV driver, you’ll be all too aware of the responsibility involved in carrying a large number of passengers. Swinton will do the hard work to ensure the right insurance company understands your needs for Minibus and MPV Insurance and appreciates the risks involved.

Read more about Minibus and MPV Insurance

Taxi Breakdown Cover

We’ll help you to get back on the road as soon as possible, should you happen to break down – after all, your livelihood could suffer if your taxi is out of action!

Our policy offers flexibility to give you the cover you need, with various recovery assistance options available.

Call us now to get a quote:

0333 035 9531

We do all the hard work for you

FAQs about Taxi Insurance

How much does Taxi Insurance cost?

The cost of Taxi Insurance depends on things like the size of your vehicle and your no claims bonus. The cost can increase due to you driving more miles, and driving in busy areas during unsociable hours. These factors may mean that the chances of you having an accident are higher.

Our specialist team can compare quotes from a number of taxi insurers and help you find the policy you need.

How much is black cab insurance?

The cost of black cab insurance can depend on various factors, e.g. the type of vehicle you have, and whether you have any driving convictions. It’ll likely cost you more than your Car Insurance, due to the higher risks caused by driving more miles, and the possibility of passengers claiming against you.

If you own a fleet of black cabs, it can be protected under one Fleet Insurance policy, and there may be discounts available for drivers with previous fleet experience

Our team can compare quotes for different policies to help you get the cover that you need.

What’s the difference between Private and Public Hire Taxi Insurance?

Private hire taxis must be booked in advance and can’t be hailed on the street, while public hire taxis can pick people up without being booked. Plus, private hire taxis can’t display a taxi sign, whereas public hire taxis – also known as a black cabs or hackney carriages – can.

Did you know?

Not all insurers will cover both private and public hire taxis, so it’s important that you find the right policy for your needs.

Our team can compare insurance quotes for both private and public taxis, and help you get the cover you need.

Do I need Taxi Liability Insurance?

Having Taxi Liability Insurance can protect you if someone is injured while in your care or control – even if it’s outside your vehicle. Although it’s not a legal requirement, you should consider Taxi Liability Insurance against the risks you’re exposed to when escorting customers.

Can I use Taxi Insurance for personal use?

If you want to use your taxi for personal use as well as for business purposes, you’ll be able to do so with a Taxi Insurance policy from Swinton. You can use your cab for both business and pleasure, giving you greater flexibility.

Can you insure Uber drivers?

Yes, Swinton can insure Uber drivers. As with all types of taxi, if you are an Uber driver, the cost of your insurance will be dependent on your vehicle type, along with the usual factors that can affect the cost of insurance, for example where your car is kept overnight.

Is Taxi Insurance more expensive than Car Insurance?

As a taxi driver, you’re racking up many more miles than the average motorist. Combined with the lengthy working hours and sometimes challenging working conditions, the potential of you having an accident while driving your taxi may be increased.

From an insurer’s perspective, these are additional risks, which is why taxi insurance policies are usually more expensive than standard car insurance policies.

How do I estimate my taxi’s mileage?

You’re more than likely to be asked about your taxi’s average mileage while getting a quote for Taxi Insurance, and it’s important that you try to be as accurate as possible. Think about how many hours you’ll be working each day – it stands to reason that the fewer hours you’re out on the road in your taxi, the fewer miles you’ll be racking up.

Can I cancel my Taxi Insurance?

Cancellation policies vary by insurer, so be sure to check your policy wording carefully if you’re thinking about cancelling. It may be that you incur a fee for cancelling within a certain time period, so make sure you’re happy with the terms before you sign up.

Is PCO Insurance different from Taxi Insurance?

If you’re a taxi driver in London, you’ll know that the Public Carriage Office (PCO) is a division of Transport for London, and is responsible for issuing black cab and minicab drivers with licences. While the overall principles of Taxi Insurance and PCO Insurance are the same, there’s a good chance you’ll pay more for PCO Insurance, due to London being such a large, congested city.

Can I use my personal no claims bonus when insuring my taxi?

Built up a good driving history using private Car Insurance policies? With some insurers, it’s possible that you can transfer your private no claims bonus to a Taxi Insurance policy, but this isn’t always the case – check with our team to see if you can.

Helpful guides for taxi drivers

As with all types of insurance, Taxi Insurance can feel confusing, but we’re here to help. Whether you want to learn more about how to become a taxi driver, or what sort of overheads you should expect, check out our helpful guides:

Taxi Insurance to suit your needs