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Uber Taxi Insurance

Chauffeur Insurance

Taxi Breakdown Cover

Taxi Fleet Insurance

Guide to Flag Taxi Insurances 

Flag is a Taxi Insurance specialist, in providing cover for taxis, taxi fleets, mini-cab, Hackney Carriage vehicles, private hire and other hire and reward motor risks. Rather than provide an off the shelf policy , Flag are able to work with a range of taxi insurance providers to craft a policy that meets the specific needs of taxi and private hire drivers. 

We can provide you with access to a range of quotes from a panel of specialist taxi insurance brokers that are able to tailor polices to you or your taxi or private hire business model and requirements.

taxi insurance uk

All categories of taxi insurance now available

You can obtain quotes for a wide array of cover types, which include:

  • Mini Cab : When you need to compare quotes online quickly for your minicab insurance premium.
  • Public hire insurance is one of the main categories of taxi insurance, also referred to as PCO insurance in London
  • Electric Taxi Insurance
  • Chauffeur : Do you provide an exclusive chauffeur service and need chauffeur insurance? 
  • A growing sector is the private hire taxi sector. Private hire drivers can not be flagged down, but must be prebooked. They have a slightly different risk profile and a range of polices exits including PHV insurance that can be paid monthly. Uber's drivers also fall into the private hire category, and Uber taxi driver insurance is also available.
  • Taxi Fleet Insurance

Does Flag Insurance provide cover for food and parcel delivery?

Yes, all private hire insurance policies offered by Flag insurance services automatically provide cover for food delivery insurance and parcel delivery at no additional cost.

Will Flag Taxi Insurance send policy documents directly to Uber?

Yes. Flag work with Haven Taxi insurance. Haven is an Uber preferred insurer and offers the instadoc service. Have access to Instadoc enables all your policy documents will be sent electronically, directly to Uber.

Levels of taxi insurance available

Similar to car insurance, taxi insurance is available at different levels of cover, as we have detailed below:

  • Comprehensive is the highest level of cover that is available for any owner driver, it covers damage to not only third parties, but also damages to your own property and self.
  • Third party is the minimum cover required by UK law. This cover does not provide any protection for damage to your own vehicle or any injures to oneself resulting from an accident. Needless to say, should you be unfortunate enough to be involved in a major road accident that you are responsible for, you could easily be liable for steep costs. Do take into consideration the possible medical bills and the restoration of your motor to road worthiness or indeed replacement costs should it be a write-off.
  • Third party with Fire and Theft  In addition to third party cover is also provided for for and theft.

Key Names for UK Taxi Insurance 

Many insurance providers offer taxi insurance, some like Patons taxi insurance specialises in only providing taxi and private hire insurance, we have complied a list below of the top names in this insurance sector.

ProviderWorthy of Note Get Free Multiple Quotes
Towergate Taxi InsuranceComfort insurance includes personal effects and belongings and generators (up to £5,000)Compare Now
Haven Taxi InsuranceCompare Now
A 19 Taxi InsuranceCompare Now
Motorcade Taxi Insurance
Compare Now
Zego Taxi InsuranceCompare Now
Nelson Taxi InsuranceCompare Now
Freeway Taxi InsuranceCompare Now
Bells Taxi InsuranceCompare Now
markerstudy taxi insuranceCompare Now
DCL/Headway Taxi InsuranceCompare Now
Acorn Taxi InsuranceCompare Now
InsureTAXI InsuranceCompare Now
Penk Taxi InsurancePublic liability cover for taxi drivers (included free on some policies)Compare Now
Riviera completely committed to providing a personalised service Compare Now
CabsuranceCabsurance claims app allows you to quickly and efficiently report any claimsCompare Now
Flag Taxi InsuranceFlag only offers Haven Taxi InsuranceCompare Now
Collingwood Taxi InsuranceCompare Now

Tips towards cheaper Taxi Insurance  Quotes with Flag

Insurance companies work out the cost of taxi insurance based on a number of factors. Below we have highlighted some of these factors and  possible steps to consider to help lower your insurance costs.

  • Comparing quotes: is the first step to saving money, start the process by using comparative websites. Please be aware that some brokers may not offer their rates on some of these sites, so it may pay to visit individual broker sites. One of the best ways to really save money is to shop around for quotes and get different quotes, so you can compare them, this may also give you some leverage at policy renewal time. Different companies offer different policy rates, discounts and coverage, so it's better to get multiple quotes.
  • Pay your policy yearly: If you are currently paying monthly, switching to paying your policy annually should bring down the cost of your annual premium.
  • Taxi Security: If you have fitted any safety / security items from Thatcham, please insure you advise your broker, as this could result in savings on your premium. Are you able to park your car off the road or better still secured in a garage when not in use?
  • Consider Fleet Cover: If you have a fleet of cabs as a business, it is generally more cost-effective with less administration task to purchase a taxi fleet insurance cover. Fleet policies will provide protection for all your vehicles under one easy to administer policy.
  • Black Box: Even for taxi drivers, adding or complying with the insurance company telemetric request can help significantly lower the cost of taxi or private hire insurance(only if the data is favourable ) 

Useful Links: 

Flag Insurance Contact Details

Flag Insurance : 1 Rectory Row, Easthampstead, Bracknell, Berkshire, RG12 7BN

Email : mail@flaginsurance.co.uk

Phone : Haven Claims, 24 hours a day, 365 days a year on 0345 092 0700

Help and Support URL : https://www.flaginsurance.co.uk/help-and-support/

Taxi Insurance FAQ's

How can I reduce the cost of my taxi insurance?

Taxi operators may be able to reduce the cost of taxi insurance rates by taking steps to improve safety. Safe driving should also result in a driving record with few or no claims, leading to future no claims discounts. A clean driving record plays an important role in finding cheaper insurance. Additionally, take time to compare options across the providers of taxi insurance and use sites like Multi Quote Time that are abke to provide access to taxi insurance providers.

  • Install a taxi dash cam ( makes processing claims quicker and safeguards you from fraudulent claims ) 
  • If your vehicle does not have an immobilizer fitted, make sure it is professionally installed and is compliant with the insurance industry
  • Build up a no claim's bonus. 
  • If possible, provide secure off-road parking when not working. 
  • Pay your insurance as a one off annual payment rather than choose monthly taxi insurance payments. For some the extra fees are acceptable for the added ease of budgeting. 
  • Keep your Taxi Secure : Make sure your vehicle is as secure as possible. Consider installing an alarm and keeping it in a locked garage overnight and when not in use. 

Why Does Taxi Insurance Cost So Much?

The key reason that insurance premiums for taxi drivers are normally higher than car insurance is that driving a taxi or private hire vehicle brings with it additional risks. For example, a taxi driver will be on the road daily covering large distances, leading to an increased risk of accident or mechanical failure. Add to this the fact that you are also dealing with members of the public inside and outside your taxi, leaving you open to liability claims.  All these taken together add more risk on the insurer, which is often reflected in higher final premium.

Does my taxi insurance cover me for driving other cars?

Taxi insurance only provides cover for the vehicles that are listed on the policy. If you need cover to drive another vehicle, you will need to either the vehicle including in your existing schedule or take out a new separate insurance policy.

Can I pay my taxi insurance on a monthly basis?

Most brokers are flexible when it comes to arranging payment terms. However, choosing monthly payments may include extra interest charges.

Is public liability insurance included?

Please check with your insurance provider. Some taxi insurance providers will include public liability as standard or offer it as an additional extra. Please check with your policy provider or check your policy wording.

Is my Taxi Insured to Drive Abroad?

Car insurance provided by most UK insurance providers will be limited to the legal minimum cover required by law in any country that is a member of the European Union. If your taxi insurance policy also covers use for Social, Domestic, and Pleasure (SDP) use only, then likely it will also be limited to the minimum required by law. If you are planning a holiday abroad, check with your insurance provider to discover ant limitations of your cover

Is Taxi breakdown cover available as a standalone policy?

Yes, this can be bought as a separate policy or bundled into your taxi insurance policy. If you are driving a new taxi, taxi breakdown cover may already be included by the car manufacturer for the first few years.

Does A Flag Insurance Policy Cover me for Using My Taxi for personal Use?

Whilst this is subject to change, taxi insurance polices offered by Flag Insurance Services include social and domestic cover as standard. This will enable you to drive your vehicle for personal use and gives the convenience of one policy covering your personal and professional needs. Please check your schedule or contact Flag to confirm if you are covered within your policy schedule

MultiQuoteTime Ltd Does not recommend any insurance companies. Services offered by this provider may change over time. Always check Ts&Cs. The information contained on this webpage is for editorial purposes only and not intended as financial advice

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