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Guide to MY Taxi insurance services

For taxi drivers in the UK, we understand your taxicab is essential to proving your service. Making sure that your taxi insurance is tailored to your needs is essential – as your income depends on it!

Many insurance companies specialise in proving taxi insurance, for example Freeway taxi insurance and Protect My Taxi. My Taxi Insurance is a trading name of Captios Limited and falls into this category specialising in provide insurance for taxi drivers.

Cover for all categories of taxi vehicles

Cover is available for all vehicle types that are used within the taxi and private hire sector and include :

Taxi Fleet

Funeral Fleet

Chauffeur Fleet

Haulage Fleet

Private Hire Insurance

Public Hire Insurance

London Mini Cabs

London Hackney Cabs

If you have 3 or more taxi’s or private hire vehicles in your fleet, then My Taxi Insurance can also offer taxi fleet insurance, which should work out cheaper than insuring each taxi on a separate policy.

Tips towards cheaper Taxi Insurance

Taxi drivers may be able to get a cheaper taxi insurance quote by taking measures 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 a significant role in calculating cost of cover. Additionally, take time to compare options from multiple providers of taxi insurance. Sites like Multi Quote Time are able to provide access to taxi insurance providers.

Work with your broker – Part of an insurance provider’s job is to try to stop unnecessary accidents from happening in the first place. To do this, they will usually suggest risk improvement measures to the policyholder before or after quoting on a policy application. These measures may be as simple as getting an electrical inspection or fitting a security camera.

Taxi security: If your vehicle does not have a factory installed immobilizer, have one installed by a professional, and ensure it complies with insurance industry standards.

Location and Security – A large part of the risk for taxis and private hire vehicles involves theft, vandalism, and arson. These issues are more prevalent in certain areas than others, so it’s worth considering this when deciding where to park your taxi. Additionally, consider implementing countermeasures to theft and damage, such as security cameras, locked garages, and alarms. Both location and preventive measures can significantly reduce the premium quoted by your insurer.

Pay your policy yearly: If you are currently paying monthly, consider paying your policy as a one-off payment, as this could help reduce the cost of your annual premium.

Taxi Dash Cam: Install a taxi dash camera. This will help your insurance provider process claims more quickly and may also safeguard you against fraudulent claims, which are increasingly common.

Agree to a Higher Excess: When you get a quote, there is often an involuntary excess on the policy. In the event of an accident, you must pay this amount before the insurer covers the rest of the losses. This type of excess is applied due to a particularly high risk and is not present on every policy. In either case, you can usually offer to pay a voluntary excess on top of the involuntary excess to further reduce your premium. This excess can be specific to a risk, such as flooding, or general, and can range from £250 to £5,000.

Comparing quotes: The first step in finding cheaper taxi insurance is not to rely on quotes from only one insurance provider or the renewal quote provided by your existing provider. Different companies calculate the cost of insurance based on various factors, but the weight they apply to these factors can and does vary. Therefore, it’s always wise to obtain a range of quotes.

If you are a seasonal or part-time driver, you could consider Pay-As-You-Go (PAYG) taxi insurance. This type of insurance is becoming increasingly popular and is available through a few select providers.

Key providers of UK taxi insurance include:

Many insurance providers offer taxi insurance, but only a few actually specialise in providing this type of cover, as detailed in the table below.

Provider	Worthy of Note	Get Free Multiple Quotes
Towergate Taxi Insurance		Compare Now
A 19 Taxi Insurance		Compare Now
Zego Taxi Insurance		Compare Now
Freeway Taxi Insurance		Compare Now
Markerstudy taxi insurance		Compare Now
Acorn Taxi Insurance		Compare Now
Penk Taxi Insurance	Public liability cover for taxi drivers (included free on some policies)	Compare Now
Cabsurance	Cabsurance claims app allows you to quickly and efficiently report any claims	Compare Now
Collingwood Taxi Insurance

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Taxi Insurance FAQ’s

Why does taxi insurance cost so much?

The key reason that insurance premiums for taxi drivers are typically higher than those for car insurance is that driving a hire-for-reward vehicle comes with additional risks. An obvious example is the long hours most cab drivers spend on the road, come rain or shine. This leads to an increased risk of accidents and subsequent claims. Additionally, the fact that you are also dealing with members of the public inside and outside your taxi leaves you open to liability claims. All these factors combined add more risk for the insurer, which is often reflected in a 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 schedule. If you need cover to drive another vehicle, you will need to either add the vehicle to your existing schedule or take out a new, separate insurance policy.

Can I pay my taxi insurance on a monthly basis?

Most taxi insurance companies are flexible when it comes to arranging payment terms. However, choosing monthly payments may include extra interest charges. A few providers are now offering pay as you taxi insurance aimed at seasonal drivers, which may be worth exploring.

Is public liability insurance included?

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

Is Taxi breakdown cover available as a standalone policy?

Yes, taxi breakdown cover can be purchased 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 vehicle manufacturer for the first few years.