Compare One Answer Taxi insurance
- Competitive quotes from taxi insurance specialists
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- All types of taxis covered
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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.
When compared to other well-known insurance companies, such as Acorn Taxi Insurance, and Haven Taxi Insurance, One Answer Insurance Services should also be considered as a specialist provider of insurance to taxi and private hire drivers within the UK. They have a team of taxi insurance experts to help guide you through the maze of alternatives, including public liability coverage, fully comprehensive, and the legal minimum of third-party cover.
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
- 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.
- 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.
One Answer taxi 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
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 affordable taxi insurance. 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.
- Taxi Dash Cam : Install a taxi dash cam, this has 2 advantages 1) it makes processing claims quicker and 2) it safeguards you from fraudulent claims helping to protect your no claim’s history.
Taxi drivers should be able to reduce their insurance costs by taking steps to improve safety. Safe driving should result in a driving record with few or no claims. A clean driving record is mega important in finding cheaper insurance. Additionally, take time to compare options across the niche providers of taxi insurance and use sites like Multi Quote Time that are able to provide access to taxi insurance providers.
Helpful Links:
Licensed Taxi Drivers’ Association – A membership group for taxi drivers, the LTDA is also a support group for those that work in the trade.
National Private Hire Association – The NPHA is an organisation that provides useful support and help for cabbies everywhere.
One Insurance Contact Details
Compare Taxi Quotes Now
Comparing different insurers is crucial when looking for the best taxi insurance coverage. One Answer may be an affordable option, but it’s always wise to explore all possibilities. By thoroughly investigating various insurers, you increase your chances of finding a policy that perfectly matches your needs and preferences. We can give you access to multiple quotes by simply completing one easy form as below.
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One Answer Insurance FAQs
Other providers of UK taxi & private hire insurance companies include
XYZ Insurance
Swinton taxi insurance
Riviera Taxi Insurance
- Updated: 22 Nov 2024
- Reviewed by Eamonn Turley Insurance Expert