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Written by Michael Foote, Insurance Expert
Michael Foote is the founder of Quote Goat and has over 20 years experience working in finance & insurance. Since launching Quote Goat he has appeared on TV as well as many of the largest online publications including Forbes, The Telegraph and The Metro. Prior to Quote Goat, he worked in finance in the city.
Does Aviva Offer Taxi Insurance?
Aviva provides commercial taxi insurance, but only through brokers rather than directly to drivers. Their policies cover licensed private hire and hackney carriage drivers, subject to your location, vehicle type, and claims history.
You cannot buy Aviva taxi insurance online from their website. Instead, you need to contact a commercial insurance broker who has access to Aviva’s panel of products. This means Aviva’s offering is typically part of a wider comparison when brokers source quotes on your behalf.
Cover Levels and Options
Aviva structures taxi insurance around three main tiers:
- Third party only: Covers damage or injury you cause to others, but not your own vehicle
- Third party, fire and theft: Adds protection if your taxi is stolen or damaged by fire
- Comprehensive: Includes accidental damage to your own vehicle, windscreen cover and personal accident benefits
Most professional taxi drivers choose comprehensive cover due to higher mileage and increased accident risk in commercial driving.
Who Qualifies for Aviva Taxi Insurance?
Aviva assesses taxi drivers based on:
- Valid taxi or private hire licence from your local authority
- Minimum age, usually 21 or older (some policies start at 25)
- Clean or near-clean driving record
- Vehicle age and condition (older vehicles may only qualify for third party cover)
- Annual mileage and working hours
Drivers with recent fault claims or serious motoring convictions face higher premiums or may need specialist insurers who accept higher-risk profiles. Aviva tends to be most competitive for experienced drivers with clean records operating in suburban or rural locations.
Private Hire and Hackney Carriage Cover
Aviva policies support both private hire and public hire work, including:
- Pre-booked private hire journeys
- Hackney carriage street hailing (where licensed)
- App-based platforms such as Uber, Bolt and Free Now
- Account work for local firms
Always confirm your policy explicitly covers the type of taxi work you do. Some Aviva policies distinguish between street hailing and pre-booked work, and using the wrong classification can void your cover entirely.
Optional Extras and Add-Ons
Aviva taxi policies can include:
- Legal expenses cover: For disputes related to your taxi business
- Breakdown assistance: Tailored to commercial use
- Hire vehicle cover: Replacement vehicle provided during repairs following an accident
- Tools and equipment protection: For diagnostic devices, meters or wheelchair ramps
- Loss of earnings cover: If your taxi is off the road after an insured incident
- Public liability insurance: Cover for third-party injury or property damage while passengers are boarding or alighting
Some brokers bundle these extras automatically, while others offer them as paid add-ons. Always check what your base quote includes.
Aviva Taxi Insurance Prices
Premiums vary significantly based on:
- Your operating area (urban postcodes typically cost more)
- Vehicle value and security features
- Years of taxi driving experience
- Whether you have protected or unprotected No Claims Discount
- Your age and claims history
Younger drivers or those in high-risk areas may find better rates with specialist taxi insurers. If you’re based in a major city, comparing quotes from providers operating in your region can help you find competitive pricing. For example, drivers in cities like Birmingham or Cardiff often benefit from comparing multiple providers.
What to Check Before Buying
Before committing to an Aviva taxi policy through a broker, verify:
- Whether your local authority licensing is accepted (some policies exclude certain regions)
- If the policy covers all platforms you drive for, including app-based services
- Excess amounts for different claim types (these can be higher for commercial policies)
- Whether your No Claims Discount transfers from private car insurance or previous taxi cover
- Cancellation fees if you need to switch insurers mid-term
- Restrictions on modifications such as signage, roof lights, or accessibility equipment
Common Policy Exclusions
Aviva taxi insurance typically excludes:
- Personal use outside of licensed taxi work (you may need dual insurance or extended cover)
- Driving without a valid MOT, road tax, or taxi licence
- Carrying passengers for reward without proper licensing
- Racing, pace-making, or off-road use
- Damage caused by wear and tear or poor maintenance
Read your policy documents carefully to understand exactly what is and is not covered.
Claims Process
Aviva handles claims through dedicated commercial lines teams. You can report incidents online, by phone, or through your broker. Response times are generally prompt for straightforward claims, though complex cases involving liability disputes may take longer.
Approved repairers are available nationwide, and Aviva arranges replacement vehicles where hire cover is included. Keep all documentation from accidents, including passenger details if applicable, as taxi claims often involve third-party injury or loss.
Fleet Discounts and Multi-Vehicle Cover
If you operate multiple vehicles or run a taxi firm, Aviva offers fleet discounts for operators managing several vehicles under one policy. This can reduce administrative burden and provide more competitive pricing than insuring each vehicle separately.
How to Get an Aviva Taxi Insurance Quote
Because Aviva does not sell taxi insurance directly to the public, you need to approach a commercial insurance broker. Many brokers can access Aviva’s panel alongside other insurers, providing you with comparative quotes.
When requesting quotes, have ready:
- Your taxi or private hire licence number
- Vehicle registration and details
- Full driving history for the past five years
- Details of any claims or convictions
- Your preferred cover level and any optional extras
Brokers can often negotiate on premium or excess levels, particularly if you are insuring multiple vehicles or have a strong claims record.
Alternatives to Aviva
While Aviva is reputable, other insurers specialise exclusively in taxi and private hire work:
- Specialist brokers may access panel insurers with more flexible underwriting
- Black box policies can reduce premiums for drivers willing to have their driving monitored
- Some insurers offer better terms for electric or hybrid taxis
- Pay as you go options suit drivers who work part-time or irregular hours
Comparing multiple quotes remains the most effective way to find suitable cover at the best price.
Get Your Taxi Insurance Quote Today
Whether Aviva suits your needs depends on your individual circumstances, location, and driving history. The quickest way to find competitive cover is to compare quotes from multiple insurers. Use the quote button on this page to see how much you could save on your taxi insurance today.