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What is taxi insurance?
Taxi insurance is a specialist policy for individuals who drive a taxi for a living. It’s a legal requirement, and is designed to protect you, your customers, your car and equipment. Normal car insurance doesn’t cover you driving a taxi for business.
It’s important to get the right cover especially being responsible for the safety of your customers, and to make sure your business doesn’t end up out of pocket in the event of a claim. You’ll need a taxi licence or badge from your local authority to get covered.
RAC Taxi Insurance offers cover for a wide range of vehicle types, including cars, minibuses, electric vehicles, as well as vehicles used for chauffeur services, wedding hire, and funeral hire. To help you find the right cover, we’ve partnered with Towergate Insurance, one of the UK’s largest insurance brokers for taxi insurance.
What type of taxi insurance do I need?
Private hire insurance covers vehicles booked in advance through apps like Uber, Ola, or Bolt. You also need this cover for pre‑booked minibus trips, airport runs, or chauffeur rides.
Public hire insurance covers licensed Hackney Carriage drivers, also called “black cabs.” These cars, owned by local taxi firms, can be hailed on the street or picked up at taxi ranks without a booking.
Levels of taxi insurance
Explore our cover options depending on your business needs - whether you drive a taxi full time or on a more ad-hoc basis.
Comprehensive
The highest level of cover offering you all of the benefits of Third Party Fire & Theft with cover to your own vehicle if it is involved in an accident.
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Third party including fire and theft
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Fully protected from damage and accidents
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Can sometimes have extras like public liability included
Third party fire & theft
Includes the same cover as Third Party, whilst offering further cover to your vehicle if it is involved in a theft, attempted theft or a fire.
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Damage to another person’s car and their injuries
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Cover for your vehicle if impacted by a fire
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Protects your vehicle from theft
Third party
Has the least protection. Offers cover for any third party you may be involved with in an accident and is the lowest level of cover available.
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Damage to another person’s car and their injuries
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Compensation for injuries to other people
Getting a quote only takes a few minutes. We’ll just need some details about:
Your personal details and driving history
We’ll ask you about where you live and the postcode, your claims history, if you’ve had any points, convictions or bans in the past 6 years, and details about your taxi licence.
Your vehicle details
We’ll need your vehicle reg plate, the make and model and estimated value of your car. We’ll also ask if you’ve added anything to your taxi like CCTV, dashcams or if it has disability adaptations.
How you use your vehicle
We need to know whether you use your taxi for public or private hire, your annual mileage, and if you work for an app-based company like Uber. If you’re getting public hire insurance, we’ll also ask if you take cash and card for payments.
What’s included with a taxi insurance policy?
Your cover depends on the policy level you choose. Most plans include:
Covers two way radios, phones, and dashcams.
Repairs or replaces your windscreen at no extra cost.
Get help with claims any time, day or night.
Covers claims from passengers for injuries in your vehicle or when getting in or out.
How can I get cheaper taxi insurance?
The cost of your taxi insurance depends on lots of factors. Some of them can't be changed, for example, your age. To help reduce the cost of your taxi insurance, you could consider the following steps. These may help depending on your insurer’s criteria and personal circumstances.
Pay annually if possible – this may reduce overall cost, as some insurers charge interest on monthly payments.
Consider your vehicle – if you haven’t already bought it, the vehicle will have one of the largest effects on what you pay. Consider your options and get quotes before you buy one.
Consider which add-ons are relevant to your need – think about what policy add-ons you need as these will often cost more, if not included in your quote.
Choose a higher voluntary excess – increasing your voluntary excess can sometimes bring the quote down, as it saves the insurer money in the event of a claim. Just make sure you can pay the amount in the event of an accident or claim.
Increase your car's security – adding things like dash cams and trackers, can help to reduce your premium – depending on the insurer's criteria.
Park securely – when you’re not using your taxi, parking away from a public road or ideally in a secure locked garage can help to reduce your premium – depending on the insurer's criteria.
Boost your cover with these optional extras
Get 24/7 roadside assistance anywhere in the UK. Add European cover if you take passengers abroad.
Stay earning with a loan taxi while yours is off the road.
After four years of no claims, keep your bonus safe even if you have a claim.
Cover legal costs and lost earnings if an accident isn’t your fault. You can also choose enhanced legal cover for extra protection.
Can I get taxi fleet insurance?
Yes. We can quote on more than one vehicle. For up to four vehicles, you can get a multi-vehicle policy, for five or more you can get specialist taxi fleet insurance. This will differ from a single vehicle policy with what’s included, covered and the price you pay due to the increased amount of vehicles and liability.
Why choose RAC?
Save overall with our annual payments or pay monthly for manageable direct debits.
Our partner Towergate Insurance Brokers has over 20 years' experience
Taxi insurance for a range of hire and reward cars and vehicles
Choose a single, multi vehicle or fleet policy
Get in touch
Prefer to speak to one of our team about business breakdown cover? No problem, enquire below or give us a call on 0330 159 0975
Get a taxi insurance quote
Build your cover now to get a quote in minutes.
Yes, but you should always double-check with your insurer to be sure. Most insurers understand that many drivers use the same car for both personal and business use.
Yes, from an insurance point of view, you can add your spouse as a named driver. However, unless they are also a registered taxi driver, you will need written permission from your licensing officer to allow them to drive the vehicle. This rule applies even if you remove any livery, taxi badge, or plate.
Also, make sure to tell us, as there may be age restrictions for named drivers under 25 or 21. We will also need the details of any named driver you wish to add.
No. Unlike some standard car insurance policies, taxi insurance does not cover you to drive other vehicles.
No. You’ll have to build up a new no claims discount (NCD) on your taxi. NCD for a taxi is different to a personal car insurance policy.
Passenger liability covers injuries to passengers while they are getting into, riding in, or getting out of your vehicle. This cover is included in all policies at no extra cost.
Public liability, on the other hand, protects you if a passenger or member of the public is injured outside your vehicle. For example, taxi drivers who take children to school are legally responsible for them until they are safely inside the school building. If you dropped a child off and they were injured or hit by a car after leaving your vehicle, you would still be liable.
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