Patons Taxi insurance

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Guide to Patons Taxi and Private Hire Insurance Services

Paton's Insurance are one of a few independent, family-owned Insurance brokers that chose to specialise in providing Taxi Insurance (public and private hire) and taxi fleet insurance for operations with more than 2 taxis. 

Paton's first opened its doors to customers in 1957 and over the years has built up a solid reputation servicing and meeting the ever-changing need of its clients. At this stage 60 plus years later their name is synonymous with minicab insurance. Patrons insurance is one of a handful of UK insurance firms that specialise in providing polices to meet the needs of taxi drivers. Others in this sector include Westminster taxi insurance that have been operating since 1948 who compete against newcomers like Acorn taxi insurance, Motorcade taxi insurance and Covermy cab, plus other relatively new starts.

Currently, they operate online, with headquarters in Glasgow, Scotland and out of 7 prime locations within the UK. The team focus on providing a professional and straight forward Insurance experience, that customers have grown accustomed to. They may be the number one nationwide taxi insurance provider dedicated to taxi drivers and private hire drivers, and their experience should help you find a policy that meets with your requirements.  

Reasons to Choose Patons: 

Patons has earned a strong following amongst the UK taxi driver community, and here are some of the reason why taxi drivers choose Paton's:

  • Currently, 8 Offices around the UK: Offering regional and national sales and support
  • Dedicated Sales & Service Teams: With specific Insurance knowledge of the taxi and private hire sector. Their devoted service and sales staff are trained in the specific issues related directly to the UK taxi and private hire car sector. Because of this in depth knowledge and understanding, they are better able to provide solutions that are suited to their particular requirements.
  • 24-hour Claims Service: For peace of mind when help is most required.  Paton's provide a 24-hour claims service to assistance. This will help taxi drivers to get answers quickly and enable them to focus on their profession without having to worry about insurance-related issues
  • Flexible Payment options:  Patons insurance understand we can all face financial pressure, particularly for new taxi driver. For this reason, they provide flexible payment methods. This means that drivers can select a payment plan to best fit their cash flow because. Options to spread the cost of premiums, including pay as you go taxi insurance and monthly cover options.
  • Minicab Fleet Insurance :  Taxi fleet insurance is a popular option for taxi fleet owners with 2 or more taxis on the road. This type of policy is designed to meet the demands of taxi fleet operations, offering financial security and peace of mind under one policy schedule.

How Patons Taxi Insurance Works

Like many names within the insurance industry, including Collingwood taxi insurance and InsureTAXI, Paton's is not an insurer, they act as insurance intermediary. When it comes to arranging your taxi cover they will act on your behalf to choose the best suited policy from a range of insurance providers, these are listed below.  In some cases, they may act as an agent, but this will be disclosed before they finalise your insurance arrangements.

  • Allianz
  • Antilo
  • Equity Red Star
  • Markerstudy
  • Eridge
  • Gallagher
  • Sabre
  • Granite
  • Mulanne
  • Human.ai Ltd
  • Inshur
  • KGM
  • KinetiQ
  • Q Underwriting

Patons Insurance, part of the Patons Group 

The taxi insurance division whilst the best known is just part of a wider range of companies that fall under the Paton's Group

  • Patons Insurance: A specialist Insurance broker providing Public & Private Hire Insurance at competitive prices.
  • Patons Vehicle Sales :  Specialising in both new and used vehicle sales with exclusive discounts for the Taxi Trade.
  • Fleetline Finance:  Offering finance packages that will help you get on the road within your budget.
  • Countrywide Vehicle Rentals :  If you are involved in an accident that was not your fault,  Countrywide will manage the claim for you and have you beck on the road within hours.

What is the difference between taxi insurance and standard car insurance?

Taxi insurance is designed to cover the additional risks associated with driving a taxi or a private hire vehicle. Some of these key differences are highlighted below. 

  • Usage: Taxi and private hire insurance is designed for vehicles used to transport passengers for hire and reward, which includes public hire (like black cabs) and private hire (like minicabs).
  • Mileage: Taxi drivers accumulate higher mileage than private cars.
  • Public Liability: Taxi drivers have regular contact with the public and are responsible for passengers' safety.
  • Driving condition: Navigating stressful driving situations and heavy traffic. This is particularly true for London taxi drivers, making PCO car insurance expensive
  • Unsociable Hours: Many taxi journeys occur during unsociable hours, such as late nights and early mornings.
  • Vehicle Types: Different types of taxis require specific insurance coverage, example PSV minibus insurance if driving a vehicle with 9 or more seats.
  • Cost: Taxi insurance tends to be more expensive than standard car insurance due to the increased risks and coverage specific to the taxi industry.

Insurers take these and other factors into account and provide coverage that is adequate for the level of risk associated with the job.

All categories of taxi insurance now available

You can obtain quotes for a wide array of vehicle and cover types, including:

  • 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 Car insurance in the City of London
  • EV 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 exist 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

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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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