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Taxi Insurance

  • We cover every licensing authority in the UK
  • Combine Motor Cover with Liability / Property (including Taxi Offices)

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Taxi Insurance

Our group insures some 15,000 taxis throughout the UK under the ‘Westminster’ brand name. Having been arranging taxi insurance for some 70 years, we know a thing or two about your trade!

We cover all areas of the UK and fleets of all sizes. We can tailor the different indemnity levels and quote on drivers of all ages. Whether you’re a black cab driver, minicab driver, private or public hire – you will find we’re extremely flexible and our experienced appointed representatives really understand your needs.

  • Public hire
  • Private hire
  • Minibus up to 17 seats (including the driver)
  • Minicab insurance
  • Public liability up to £10 million

Looking for Taxi Insurance Quotes?

At Clegg Gifford, we take the time to understand the specific risks you face. Every taxi driver is different, from the times you operate to the areas you work in. While some insurance brokers might overlook the finer details, we make sure they’re incorporated into your policy to give you the best possible price.

To start your insurance quote, just click the ‘Get Your Quote Now’ button on this page. Once you’ve provided us with a few details about you, your vehicle and the type of taxi insurance you’re looking for, we’ll then be able to find the best-fit policy that could save you up to 50% on your existing premium. Alternatively, if you’d like to discuss your taxi insurance requirements with a member of our team, please do not hesitate to get in touch.

What is Taxi Insurance?

Very simply, taxi insurance is a specialist policy that’s designed to protect you and your taxi against the particular risks you face. Car insurance does not provide the level of cover that’s legally required to operate a taxi. So, it’s essential you have a policy that’s been created specifically for this type of use.

Taxi insurance provides a far greater level of cover than car insurance. For example, with taxi insurance, you can choose to cover the vehicle, the driver, members of the public, the passengers you carry and their property too. For that reason, it does tend to cost more than a car insurance policy, which is exactly why it pays to work with a specialist broker who knows the industry inside-out.

Taxis cover far more miles than the average vehicle and are often driven at unsocial times and in built-up areas. The vehicles can often be larger than normal cars and there’s also a far greater chance of personal injury if you are involved in an accident due to the number of passengers you carry.

As a taxi driver, your vehicle is your livelihood. If your vehicle is off the road even for a few days then it will have a direct impact on your earnings, the consequences of which can be extremely damaging. Buying a taxi insurance policy that provides cover against the specific risks you face will help to protect you and your business and give you peace of mind.

If you work as a taxi driver then it is a legal requirement that you have a specialist taxi insurance policy in place. Standard car insurance will not provide the cover you need.

What Different Types of Taxi Insurance Are There?

There are three main types of taxi insurance policy. That includes:

  • Policy only – This is the most basic form of taxi insurance which, more often than not, will also be the cheapest.
  • Named driver – Named driver cover is ideal if you own one taxi and are the only driver.

As with a standard car insurance policy, you can also choose the level of cover you want, from third-party all the way up to fully comprehensive.

  • Third party only – You will be covered for any damaged caused by you or another driver insured on your policy to someone else’s vehicle, property or person. However, you and your vehicle will not be covered.
  • Third party, fire and theft – As well as covering third parties, their vehicles and their property from damage caused by your taxi, this policy will also pay out if your taxi is stolen or damaged by fire.
  • Fully comprehensive – Fully comprehensive cover provides the most extensive level of protection you can buy. It includes all of the cover listed above as well as paying out for any damage to your vehicle or an injury to yourself.

Public or Private Hire?

Another essential consideration when choosing your taxi insurance policy is to specify whether you want a policy for a public hire or private hire taxi.

  • Public hire – Public hire taxis can pick up passengers from taxi ranks and be hailed by passengers as you drive by without being pre-booked.
  • Private hire – Private hire taxis must be booked in advance.

Is Public Liability Cover an Essential Part of Taxi Insurance?

If you’re a self-employed or contract taxi driver, you won’t have the protection of a public liability insurance policy to reduce the risks you face. It may seem like something you don’t need, but all it takes is for one person to be involved in an incident to lead to a claim that could potentially cost you thousands of pounds.

For example, taxi drivers who transport children to and from school are legally liable for their safety until they enter the school gates. Similarly, if you work on local authority or council contracts, it is often a prerequisite that you have public liability insurance in place.

What Policy Extras are Available?

As well as choosing the type and level of taxi insurance cover you require, there are also a number of extras you may wish to consider that allow you to tailor your policy to meet your specific needs. That includes things like:

  • Taxi breakdown cover – Taxi breakdown cover can be added to taxi insurance policies to recover your vehicle and get you back to work more quickly in the event of a breakdown. It may also include onward travel to get your passengers to their destination.
  • Personal use cover – Rather than having a separate car for personal use, you may choose to include personal use cover in your taxi insurance policy so it can be used to transport you and your family.
  • Unlimited mileage cover – Some taxi insurance policies set a maximum limit for the mileage you can drive in a year. However, this can be restrictive. Unlimited mileage cover will let you drive your taxi as much as you like.
  • Courtesy taxi – If you are involved in an accident then a courtesy taxi will be provided so you can continue to work.
  • Cover for loss of keys – If disaster does strike, charges associated with replacement locks and keys and onward transport will be covered by your insurer.

Are There any Exclusions Taxi Insurance Does Not Cover?

There are a number of risks that taxi insurance policies will not typically cover. That includes:

  • Drivers under the age of 25 – Most policies do not cover taxi drivers under this age. However, as industry specialists, we will usually be able to find cover for drivers of any age, particularly if you have a clean driving industry.
  • Theft of the vehicle if the keys are left in the taxi – Due to the nature of the job, drivers may sometimes leave the taxi with the keys in the ignition. If the vehicle is stolen in such circumstances then you will not be covered.
  • Working outside the specified region – You may not be covered if you pick up fares outside of the region laid out in your policy.

Request a quote or get in touch to discuss your requirements with our team.

Taxi Insurance FAQs

1. Can I add public liability coverage to my Taxi policy?

Yes, we can provide public liability coverage to your Taxi policy. We can also provide a packaged public and employers liability policy for your Taxi Office.

2. Can I add social usage to my Taxi policy?

Yes, we can arrange cover to include social usage for drivers on your policy, subject to Underwriting considerations.

3. Can I add fast food delivery to my Taxi policy?

Yes, we can arrange cover to include fast food delivery usage for your policy, subject to Underwriting considerations.

4. Can I insure my Taxi Office with Clegg Gifford?

Yes, we can provide public and employers liability coverage for your Taxi Office.

5. Can I add multiple vehicles to my policy?

Yes, you can add multiple vehicles to your Taxi policy. You can even add them Mid-term as policies expire elsewhere, meaning one common renewal date. If you have a large amount of vehicles, your policy will likely be arranged by our Fleet team.

6. Can you cover young or inexperienced drivers?

Yes, we can. Subject to Underwriting considerations.

It may be worth considering our ‘Bonus Booster’ policy.

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Welcome to CG TV

Welcome to CG TV

A collection of videos which outline Clegg Gifford’s products and other useful information.

  • Discover more about the products and services we can offer, for both personal and commercial insurances.
  • Check out our trade specific ‘overviews’ which can help determine the right coverage options for your business.
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What makes us special?

  • 50+ Years of experience

    Clegg Gifford were formed in 1968 which means we celebrated our 50th anniversary in 2018. In our circa 50-year history, there is not much we haven’t seen! Our storied history in the Motor Trade, Taxi and Commercial Vehicle industry ensures you won’t find many better placed Brokers to deal with your unique requirements!

  • Scale of operations

    With a network of branches, Appointed Representatives and over 800 brokers we can find cover for clients in any area of the UK. We pride ourselves in being able to find bespoke solutions for unique requirements. From architects and bankers to yacht captains and zoologists, we have covered them all.

  • Nationally recognised Claims team

    As we all know far too well, claims, and claim management is a necessary part of Insurance. Consequently, good claims teams are worth their weight in gold! We are very proud of our distinguished team that have been nominated for ‘Claims Team of the Year’ two years in a row! Here is to hoping you won’t need to contact them!

  • Huge breadth of insurers

    Due to our heritage within the market, we have great relationships with a multitude of insurers across both personal and commercial lines. As always, our emphasis is on delivering you with flexible coverage options that help support your personal and commercial requirements. As a Lloyds broker we also have access to a range of London Market insurers.

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