Taxi Insurance

Compare taxi insurance policies from up to 5 insurance providers with one short quote form.

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Taxi Insurance Comparison In 3 Steps

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What Is Taxi Insurance?

Taxi insurance is a specialised type of insurance designed to cover vehicles used for transporting passengers for hire. This coverage goes beyond standard motor insurance, taking into account the unique risks associated with operating a taxi or private hire vehicle. Taxi insurance typically includes provisions for bodily injury, property damage, and medical expenses for both passengers and third parties. Additionally, it may cover the taxi driver's liability, vehicle damage, and theft. Due to the nature of the service and the increased exposure to potential accidents, taxi insurance is a crucial safeguard for both drivers and passengers.

How To Compare Taxi Insurance Quotes

Taxi insurance costs can vary significantly between insurance providers so it pays to shop around. Whether you need Black Cab insurance, Minicab insurance, Uber insurance or cover for another vehicle that transports passengers, you will need to have the right cover in place to protect yourself and your business.

Finding taxi insurance is easy with Quote Goat. Take just a moment to fill out the quote form and see how much you could save.

Types of taxi cover

Policy Only


Typically the cheapest level of cover, with the cost increasing for each name that you add to the policy.

Named Driver

Named Driver

Insurance for a taxi driver purchasing their own policy covering just themselves.

Any Driver

Any Driver

As the name suggests, dependent on the policy, it can cover any driver using your taxi but can often come with restrictions.

Third Party Only

Third Party Only

The minimum level of insurance required by law, covers you for damage or injury to 3rd party property and 3rd parties if you are deemed to be at fault. Third party will not cover damage to your own taxi or yourself.

Third Party, Fire & Theft

Third Party, Fire & Theft

Covers the above as well as the cost of replacing or repairing your taxi should it be stolen, damaged during an attempted theft or as a result of fire damage. It is important to note however that your claim may not be paid out unless you adhere to your policy’s terms which for example could include not paying out for theft if your vehicle was not properly secured.

Fully Comprehensive

Fully Comprehensive

The most complete level of cover which will usually everything above as well as damage to yourself or your taxi in the event of a claim, if it is your fault. Fully comprehensive policies may also include optional extras such as legal protection, which you can decide whether you require or not.

How much is taxi insurance, and why is it more expensive than standard car insurance?

In general, taxi insurance prices are calculated based on levels of risk. As a taxi driver, you will be on the road for longer than your average driver, you will often be working on congested roads as well as driving during unsociable hours and your vehicle could be larger than a standard vehicle which will place it up a higher insurance group.

These factors can contribute to increasing the cost of taxi insurance policies. However, there are several ways that you can find cheaper taxi insurance.

How to find cheap taxi insurance and save money

Compare quotes: Quote Goat make this easy by giving you access to a leading panel of taxi insurance specialists.

Do not auto-renew:Compare taxi insurance quotes each year to see if you can make a saving or to ensure that you are not over-paying for your cover when you renew your current policy.

Lower insurance group: As mentioned above, the insurance group that your taxi belongs to can significantly impact insurance costs. When buying a taxi, please pay attention to the insurance group.

Avoid convictions: All types of convictions can push up insurance costs, both non-motoring and motoring, so it pays not to speed, use your mobile or commit any offence that you must declare to your insurance provider.

No claims discount: Building up a no-claims bonus can significantly reduce the cost of insuring a taxi.

Taxi insurance extras

Legal cover, breakdown cover and public liability insurance are all optional extras that you may wish to include with your policy. We have listed a few other extras below to help you decide if you require any of them.

If you are unsure about whether you require any extras, the insurance provider you speak to will be able to advise.

Please note that including these covers in your policy may make it more expensive, but it could also save you money should the unexpected happen.

Check Mark Damage to windscreen

Can often be incorporated into your policy, however it is also known to come as an optional extra.

Check Mark License loss

It is possible to get protection in case you lose your license, paying you an income for a period once the license is taken away.

Check Mark Home assistance

Assistance if you break down or your taxi will not start at your home.

Check Mark Ongoing transfer cover

Assistance for passengers who need to carry on with their journey if your taxi breaks down.

Check Mark Public liability

Protecting you against claims made by members of the public for injury or damage.

Check Mark Breakdown cover

Insurance to cover the costs of a breakdown.

Check Mark Non-taxi use

Coverage for your own use of the taxi out of working hours can also be provided by some providers and is subject to your licensing authority’s rules.

Check Mark Legal assistance

Cover against legal fees and losses incurred as a result of an accident that was not your fault.

What information is required to get a quote?


Vehicle Details

Make and model of your taxi or registration plate, type of taxi, type of use and approximate vehicle value.


Cover Details

Level of cover, no-claims bonus details for your taxi and a private no-claims bonus if applicable. How long you’ve held your taxi badge, who will be driving and details of any claims or motoring convicting in the last 5 years.


Your Details

Your name, address, date of birth & contact details.

Frequently Asked Questions

How many taxis does fleet insurance require?

You can compare fleet insurance policies here if you have two or more taxis.

Do I need public hire insurance or private hire insurance cover?

Public hire taxis pick up passengers without pre-booking, i.e. passengers that hail a cab. Private hire cover is for pre-booked journeys, including taxi booking services like Uber and other minicab services.

Do I need public liability insurance?

Public liability insurance is not a legal requirement. However, it could prove extremely important to protect you financially if the unexpected happens. It is required if you deal with the local authority or council contracts.

Can I use my taxi for personal use?

You can use your taxi for personal use as long as your policy covers you for this. However, it is worth noting that if you want someone else, e.g. a partner, to drive your taxi for personal use, you may not be able to due to restrictions put in place by your licensing authority.

Can my cover begin today?

In theory, yes, you will need to start by getting a quote. Your insurance provider will confirm when your policy begins.

Is there a limit on the number of drivers on my policy?

You can decide whether your policy covers just you, any number of named drivers, or any driver.

Can I get taxi insurance as a young driver?

Yes, although your policy will likely be more expensive due to the increased risk younger drivers present.

I'm a convicted driver. Can I get a quote?

Yes! It is certainly possible to get taxi insurance as a convicted driver. However, please be aware that your cover may be more expensive because you will be seen as a greater risk to insure. The best way to find out is to get a quote now.

Written By Michael Foote, Insurance and Finance Expert

Michael Foote is the founder of Quote Goat with over 13 years of experience in finance, insurance, and currency sectors. Since launching Quote Goat, he has appeared on TV and in major online publications, including Forbes, The Telegraph, and The Metro. Prior to Quote Goat, he worked for firms such as HSBC.