Taxi Insurance
INSURE YOUR CAB FOR LESS
Taxi insurance for 'hire and reward' is essential for protecting your livelihood. We'll get your cab covered, so you can focus on your work.
Public Hire Taxi Policies
Our tailored policies for taxi drivers with meters take into account the risks unique to black hackney carriages and cabs on the rank.
Private Hire Taxi Insurance
Our hire and reward policies also cover private hire taxi and minibus drivers who pick up customers for pre-booked journeys or contract work.
Uber-Approved Insurers
Our trusted relationship with Uber-approved insurers means you'll get the specific policy required with an affordable premium.
Clear. Simple. Sorted.
Clear Communication.
Don't worry about your insurance, that's our job. We will support you by decoding available cover to ensure you can make an informed choice on your policy.
Save Time & Money.
With us, you won't just save on your premium. Our sophisticated tech hunts down affordable quotes in mere minutes, so you can get covered ASAP.
Get Started at Staveley Head
Leading taxi insurance broker for over a decade.
Policies available from over 49+ reputable insurers.
With all our knowledge & experience, we'll always steer you on the right path. Find out how it works below and how to get started.
Pick your insurance type.
Find the insurance you need here. Choose from commercial and personal policy types provided by our trusted insurers.
Click here to get a quote.
After you've pressed the button, we'll use our tech to compare the most competitive quotes for the cover you need,
Get insured. Fast.
Leave it to us to do all the hard work to get you covered, so you can hit the road with peace of mind.
levels of Taxi Insurance cover
Third-Party Only
Third-Party Only is the minimum level of insurance required by law that covers the other party only in the event of an accident.
Third-Party, Fire & Theft
Your vehicle will be covered for loss or damage caused by fire, and theft, plus accident cover for third parties.
Comprehensive
Comprehensive taxi insurance includes Third-Party, Fire & Theft, plus more depending on your policy.
Overview
Taxi Insurance
With Staveley Head, you can compare taxi insurance rates and take out cover in minutes.
Thanks to over a decade of insurance expertise, we can guide you on the right path to finding the best taxi insurance quotes on the market. As one of the UK’s most experienced insurance brokers, we provide an authorised advisory service to ensure you’re insured with exactly the cover you need.
Getting insured with us is an easy process. Get your cab insurance quote today and call us on 0800 0815 025 to talk to one of our experts.
Do I Need Taxi Insurance?
If you drive any vehicle for other people to hire and pay for transport, you’re legally required to have a taxi licence and a specific taxi insurance policy.
This is the case whether you drive for public or private hire. It’s not enough to add business use cover to a standard private car policy either.
But as well as being vital legally, having taxi insurance can be crucial for your peace of mind when behind the wheel.
As a cab driver, you could drive long and odd hours in various areas and encounter all sorts of customers and conditions. Specialist taxi insurance will provide reassurance that you’re covered for whatever comes your way.
What’s the Difference Between Public and Private Hire Taxi Insurance?
There are two types of taxi insurance: public and private hire. While vehicle age and driver experience are crucial factors affecting both cover prices, the different risk potential means the costs of each type will differ. Public hire taxis spend more time in busy city centres, which means they are exposed to a significantly higher than average risk than most drivers.
Public hire insurance is commonly used by black cabs and purpose-built taxis that collect fares within a licensed jurisdiction. If you can pick people up on the street or from a taxi rank, you need public-hire taxi insurance.
Minicab drivers, Uber drivers and airport transport companies take out private hire insurance. For Uber drivers, the policy must be insurance from an ‘Uber-approved insurer’. If you only accept pre-arranged trips from selected pick-up points, private hire taxi insurance is the right option for you. In general, private hire insurance can be cheaper, as the pre-booking element can be viewed as reducing the risk factor.
What Optional Extras Should I Consider?
Because of the unpredictable nature of the taxi driver profession, it can be helpful to take out optional extras such as:
Motor legal insurance
Accidents can happen at any time. Protect yourself with motor legal cover, including recovery of uninsured losses.
Taxi breakdown insurance
We know your vehicle is your livelihood, so we’ll aim to get you back on the road as quickly as possible. We’ll get you to a local garage if repairs can’t be made at the roadside.
Excess protection
You’ll be covered if you’re required to pay an excess, such as if an uninsured driver hits you or you’re at fault for an accident.
This cover is essential for taxi drivers as you interact with many different people. Public liability protects you and your business from injuries or property damage claims by passengers.
How Much Does Taxi Insurance Cost?
All premiums are unique and the cost of taxi insurance can vary depending on lots of factors, including:
- The size of your vehicle.
- Your age and driving experience.
- Whether you have a no-claims discount.
- Annual mileage.
- When you typically drive – for example, at night on the weekend.
- The security of your vehicle when in use and stored overnight.
- The level of cover you need and any optional extras.
Get a taxi insurance quote and find out how much you could save today by calling 0800 0815025.
What You Can Expect From Us
Why choose Staveley Head to insure your taxi?
You'll always get top tier service with us. Here are just some of the benefits and features you will get:
- 01
Experienced Taxi Insurance Broker
We’ve been a leading taxi insurance broker for over a decade.
- 02
Reputable Taxi Insurers
We work with some of the UK’s most reputable taxi insurance companies, including Uber-approved insurers.
- 03
24-hour, UK-based Claims
Our 24-hour, UK-based claims team are here when you need them.
- 04
Flexible Cover
Our flexible cover comes with no mileage restrictions.
- 05
Advisory Service
As an authorised advisory service, we use our expertise to recommend suitable policies.
- 06
Affordable Quotes
It’s quick and easy to get a quote for taxi insurance on the phone.
Your Policy Unpacked
What Coverage Do You Need?
Your coverage will vary depending on your policy needs. Here are just some of the many options available from our insurers:
What we can cover you for:
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Legal liability for injury or death of third parties and passengers.
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Loss or damage to personal belongings in the car due to fire, lightning, explosion, theft, or attempted theft.
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Replacement of broken windscreens.
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Equipment cover for damage to radio and meter.
What’s not included:
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Loss or damage if keys are left inside or on the taxi.
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Unlocked and unattended taxis not properly secured.
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Repair of sunroofs, panoramic roofs, roof panels, lights, or reflectors.
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Wear and tear of your vehicle and interiors - including tyre and brake damage.
Unfortunately, we can’t offer this due to the circumstances under which taxis are used and because of the considerable difference in vehicle types.
Currently, all our taxi insurance policies are for 12-month periods only.
We need to know about all previous claims within the last five years (whether your fault or not). All motoring offences within the previous five years, or those still endorsed on your driving licence, must be disclosed when taking out your taxi insurance policy.
Most taxi insurance policies cost more than regular motor insurance, and there are a few practical reasons for this.
Cabs usually spend more time on the road than regular cars and travel more miles, with paying passengers in various weather conditions and peak traffic.
As a taxi driver, you require protection against a wider variety of situations than the average driver because your passengers are members of the public. What’s more, many taxis are larger than conventional cars to accommodate more passengers.
These elements increase the likelihood of accidents, leading to more insurance claims and higher premiums.
Frequently Asked Questions
Here are some of the most common queries we get asked about taxi insurance.
Can’t find what you’re looking for? Reach out to us via email at taxi@staveleyhead.co.uk or call 0800 0815 025 to chat with our dedicated taxi team.
More FAQs
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