Taxi Insurance

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Taxi Insurance is an important purchase for all private hire and public hire drivers. Having the correct cover for any liabilities that you may face is a legal requirement. Alternative Insurance works with well known insurers to offer a range of policies that are created to meet the needs of taxi drivers.

Choosing the right taxi insurance policy can be difficult. This is especially the case when a variety of different options are available to you. When you apply for a taxi quote from Alternative you benefit from our extensive experience and can be certain that we are getting you the right policy for your specific needs and requirements.

Often the cheapest taxi insurance may not provide you with the cover you need. When looking for insurance you need to remember it is important that it provides great cover. This is because your taxi is an essential asset to your work. It is important to get you on the road as quickly as possible if anything was to unexpectedly happen.

Taxi insurance policies are specifically designed to meet individual needs. By choosing to get your taxi insurance quote from Alternative Insurance, we can match you up with the policy that is correct for you on an individual basis.

What we offer

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Comprehensive, Fire and Theft or Third Party Only

Personal use allowed

Monthly payment options available

Ability to add on additional drivers

What We Can Cover

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Private, Public and Fleet Taxi Insurance

Public & Employers Liability

Legal Expenses Cover

Breakdown insurance

Gap Insurance

Taxi Insurance FAQs

What is the difference between a Public Hire and Private Hire Taxi?

There are two kinds of taxis in the UK – Public and Private Hire.

Public Hire Taxis are able to pick up passengers from the street, for example Black Cabs.

Private Hire taxis can only pick up pre-arranged passengers.

Why is taxi insurance more expensive than standard car insurance?

Taxi insurance is more expensive than standard car insurance because they are seen to be a higher risk. This is because they are on the roads more than a usual driver, so more likely to be in an accident. As a result they price the policies to reflect this.

Can I use my taxi for personal use?

Yes – this is possible to add to your policy. Speak to our advisers when getting a quote and they can make sure you are covered for personal use too.

Do I need public liability insurance as a taxi driver?

Public Liability Insurance is not a legal requirement for taxi drivers. However, it is strongly recommended. This is because it protects you if any damage occurs to third parties or their property where the liability lies with you, the taxi driver. This will help to protect you and your business should anything happen against any unexpected costs.

Public Liability Insurance shouldn’t be confused with Passenger Liability Insurance which only covers your customers while they are in the vehicle in the event of an accident or crash.

Do you offer taxi insurance for convicted drivers?

We cannot currently offer cover for a taxi to convicted drivers.

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