How to become insured as a new taxi driver

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Written by Michael Foote , founder of Quote Goat, with over 13 years experience working in the finance, insurance and currency sectors.

Being a taxi driver is a rewarding career and a sought after form of employment for a huge number of people who want a better work-life balance, like a customer faced form of work and who love to be behind the wheel.

Becoming a taxi driver for the first time has never been easier; with so many taxi firms, from your standard citywide taxi companies to more international companies such as Uber, with more and more people needing a ride, now is a great time to become a taxi driver.

What you need to become a taxi driver

In order to gain a taxi driving license you will need:

  • to be over the age of 21
  • have a legal right to work in the UK
  • have held a full UK driving license for more than 12 months
  • passed a DBS (Disclosure Barring Service) check

There are no qualifications required to gain a taxi driving license. And, once you have secured your full license, all you will need is a vehicle that is correctly insured with the appropriate taxi insurance.

Young Taxi Drivers

Insurance criteria works slightly different for taxi drivers than it does for regular drivers. For a start, taxi insurance providers will still consider you as a young driver if you are under the age of 25. This is always the case, even if you have 8-years of driving experience at this point.

This means your insurance costs will usually be higher than taxi drivers over the age of 25, regardless of how much experience they have had. With taxi insurance there are also some insurance providers which won’t insure those under the age of 25, which is why it is important to compare quotes online.

What can help keep insurance premiums down for new taxi drivers?

Insurance for taxi drivers under the age of 25 can be expensive so it is important that you do what you can to keep your costs down. To do this you can:

  • choose a vehicle with a smaller engine size
  • consider getting a black box taxi insurance policy
  • make sure you have a clear claims history
  • be able to securely park your car off the road when not in use
  • opt for a higher excess on your insurance policy to help reduce your premiums.

Always make sure you compare taxi insurance quotes online before committing to one policy as there are a huge number of providers, which means there is a lot of potential to find a great deal.



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