Operating a taxi in the UK is a full-time profession with unique risks. From long hours on the road to carrying passengers safely, your livelihood depends on having the right insurance. That’s where taxi insurance comes in providing tailored cover for taxis, private hire vehicles and drivers. At Alternative Insurance Brokers, we specialise in finding the most suitable taxi insurance for your business and budget. Call 0161 388 2520 today for a free quote.

What Is Taxi Insurance?

Taxi insurance is a specialised type of motor insurance designed specifically for drivers who use their vehicle as part of a taxi, private hire, or minicab business. It differs from standard private car insurance by offering protection that meets the legal and operational requirements of driving passengers commercially.

Taxi insurance typically covers:

  • Vehicle damage and repairs
  • Third-party injury or property damage
  • Passenger liability cover
  • Uninsured driver protection (optional)

Whether you drive a traditional taxi, app-based private hire vehicle, or operate a small fleet, taxi insurance ensures your vehicle and passengers are protected while you earn.

Why Standard Car Insurance Isn’t Enough

Many drivers don’t realise regular car insurance usually excludes commercial use — meaning if you’re transporting fare-paying passengers and have an accident, your policy could be invalid. This can lead to costly claims, fines, or even licence issues.

With a dedicated taxi policy, you get specific cover that recognises:

  • The increased number of hours spent on the road
  • Higher passenger liability risk
  • Potential damage caused by third parties
  • The financial impact of vehicle downtime

Having the right insurance keeps you compliant with UK laws and gives you peace of mind on every shift.

Types of Taxi Insurance Available

At Alternative Insurance Brokers, we help you find the right policy from a range of cover options, including:

1. Private Hire Insurance

For drivers working exclusively through taxi apps or bookings where the vehicle must be pre-booked.

2. Public Hire Insurance

Designed for traditional taxi drivers — including street hire and rank work.

3. Fleet Taxi Insurance

If you operate more than one taxi vehicle, fleet cover brings all vehicles under one tailored policy.

Each option can include additional features such as liability protection for passengers, legal costs cover, and uninsured driver protection.

Tailored Cover You Can Trust

At Alternative Insurance Brokers, we understand that no two taxi businesses are the same. That’s why we:

  • Assess your individual taxi business requirements
  • Compare quotes from a wide panel of UK insurers
  • Tailor a policy that suits your vehicle type, usage and drivers
  • Offer flexible payment options to suit your cash flow

Our aim is to keep your premiums competitive without compromising on the protection you need.

Get Your Free Taxi Insurance Quote Today

Don’t wait until an accident, claim or unexpected event threatens your taxi business. Get the right cover in place now with expert support from Alternative Insurance Brokers.

Call 0161 388 2520 for your free, no-obligation taxi insurance quote and personalised advice.

With the right insurance, you can focus on what matters most — earning, driving and keeping passengers safe.