Compare One Answer Taxi insurance

Compare Private Hire & Taxi Insurance Quotes, One short form – save time & money

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Who are One Answer Taxi insurance

1Answer insurance started operation in 2020 and is part of the one answer insurance network. One Answer insurance offer a variety of insurance products from a panel of insurance providers and pride themselves in providing a personal service to their customer base. Within the taxi insurance sector, they can place your policy with the insurance company that matches your individual requirements. One answer insurance services have over time built up a panel of taxi insurance brokers, so they are able to claim they can provide taxi and other insurance products to the UK and NI market pace at competitive prices. 

Why One Answer Insurance services

Answer insurance services state the following reason on their website. They are able to provide bespoke policies for both private and public hire. They also understand and can cater for the exacting requirements of each County Council Licensing Authority. Furthermore, they also claim to be a specialist taxi insurance broker. This puts them in competition with names that include Acorn taxi insurance, Haven taxi insurance and Vasek Insurance to name a few in this sector.

One Answer insurance services provide an independent service, meaning they are not tied to any one insurance company. What this means for you is that they can search their panel of taxi insurance providers to find you the best up-to-date market rate for your individual taxi or private hire insurance requirements. They are a specialist taxi insurance broker that can offer a range of cover from third part to fully comprehensive cover and the option to include public liability and other extras. 

  • They price check many of the UK’s leading insurers daily
  • They have a team of dedicated experts to get you a great deal
  • 24 hour claims line to make life hassle free
  • Up to 50 recommended insurance companies
  • Payment by Instalment available
  • Private and Public Hire Polices Available

Taxi and Private Hire Insurance levels Plus Public Liability

Third-party car insurance

  • The legal minimum, budget-conscious policy for taxi drivers, but comes with risk to your own taxi cab not being covered. 
  • Covers the cost of personal injuries to a third party in case of an accident
  • Third party does not include coverage for your personal injury costs, such as medical expenses or car repair costs.

Third-Party, Fire, and Theft

  •  Covers the cost of property or vehicle damage to third parties.
  • Covers the cost of damage to your vehicle in the case of a fire incident.
  • Provides financial protection in case your car gets stolen or for any damages to your car that occur as a result of attempted theft.


  • Includes third party plus fire and theft
  • In addition, this will cover the cost of repair for your own vehicle and cover for damage to your property.

Taxi Public Liability Insurance

Public Liability insurance for taxi and private hire drivers is an optional extra, but is crucial to providing protection against claims that can have serious financial consequences if you are found liable. Public liability cover for taxi drivers protects you against claims by customers and members of the public against loss, damage or injury, while employer’s liability is a legal requirement if you have any staff and covers them in the event of injury or illness at work.

1Answer Insurance Services Options

Taxi drivers need a minimum of third party hire and reward insurance, which provides the necessary legal cover to ferry passengers for reward. One Answer are able to provide other insurance elements. These are not mandatory, but can help protect you against financial loss. Note if you employ staff, you will be legally required to have employer's insurance

  • Legal Cover
  • Breakdown Cover
  • No claims Protection
  • Taxi Public Liability Insurance
  • Employers Insurance

Is Monthly Taxi Insurance Available With One Answer Insurance Services?

If you wish to spread the cost of taxi insurance simply arrange to pay public hire or private hire insurance monthly, some taxi insurance providers may impose a small processing fee, as such paying annually will usually work out cheaper.

Tips towards cheaper One Answer Insurance

Insurance companies on the One Answer panel calculate the cost of taxi insurance based on a number of factors, some of these are under the control of you the taxi driver, for example improving vehicle security. This could be by providing secure overnight parking or installing a tracking device.  Other factors to consider include:

  • Get Multiple Quotes:  Comparing insurance brokers is the first step in the process of finding cheaper taxi. 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. Different companies work out the insurance cost based on a number of factors, but the weight they apply can and does vary, so it's always wise to get a multiple quotes.
  • Avoid Monthly Payments if Possible: Consider paying your policy as a one-off payment, which will avoid any additional interest or payment processing costs.
  • 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. If not, adding extra security devices can bring down the costs of cover
  • Consider A Fleet Policy : 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.
  • Install A Black Box: Even for taxi drivers, adding or complying with the insurance company telemetric request can help significantly lower the cots of Cardiff taxi or private hire insurance (if the data is favourable) 
  • Drive Safely : This will reduce the chances of being the cause of a road accident, and no claims will have the effect of building up a good no claims bonus, reducing your taxi insurance renewal costs.

Useful Links: 

1Insurance Contact Details

Address : Unit A1 Chaucer Business Park
Dittons Road
BN26 6JF

Phone : 0800 975 11 11

One Answer Insurance FAQs

How does Taxi Insurance differ from a Car Insurance policy?

Standard car insurance will not legally cover you to ferry passengers as a taxi or a private hire driver. To provide this type of service, you will need either Public Hire Insurance or Private Hire Insurance. These policies will cover the higher risk associated with spending more time on the road in areas of high risk. 

MultiQuoteTime Ltd Does not recommend any insurance Companies. Services offered by this provider may change over time. Always check Ts&Cs.

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