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.
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
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?
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?
Can I insure a fleet of private hire taxis?
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?
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.
FAQs about Taxi Insurance
How much does Taxi Insurance cost?
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?
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?
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?
Can I use Taxi Insurance for personal use?
Can you insure Uber drivers?
Is Taxi Insurance more expensive than Car Insurance?
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?
Can I cancel my Taxi Insurance?
Is PCO Insurance different from Taxi Insurance?
Can I use my personal no claims bonus when insuring my taxi?
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: