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Guide To Westminster Taxi Insurance 

By Eamonn Turley
Eamonn Turley Insurance Expert

Eamonn Turley has a wealth of experience within different insurance sectors. Through hard work and over time, he has gained expertise in digital marketing and user interface design. Elements that are crucial to any successful online business. The key aim is to develop websites that are intuitive, fast to load and provide insurance quotes tailored to your needs.

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April 2024

Westminster has been providing insurance to the taxi industry since 1948. Over this time, it has developed strong links   with both the private and public hire insurance markets. They currently operate a network of 45 tied agents that offer their market-leading insurance products. 

A Lloyd's insurance broker bought Westminster insurance in 2014 and expanded the range of products that the agents can offer their customer base. The branch office network now includes offices in Romford, Guernsey, Edinburgh, Peterborough, Minories (City of London), Cannock and Wakefield, as well as through the 45 tied agents with offices across the UK.

The Lloyd's broker in question was Clegg Gifford, and now Westminster taxi insurance is part of the Clegg Gifford Group. Westminster is a trading name of Clegg Gifford & Co Ltd.

Others in this sector include InsureTAXI insurance that have been operating since 2003 and belong to County, Acorn taxi insurance , Motorcade taxi insurance, plus Covermy Cab that have been providing PCO insurance for over 40 years..

Nobody Knows The Taxi Trade Like Westminster

This is according to their website, but they do insure over 40,000 taxis and have a dedicated first response and Accident Damage team to process claims as quickly as possible. Like other specialist in this sector, Westminster taxi insurance understands the importance of keeping taxi drivers on the road and earning.  

Westminster Taxi Insurance Highlights

  • Local roadside assistance and local recovery
  • Dedicated team to process claims, and keep taxi drivers on the road.
  • Bonus protected from one year onwards
  • Money cover up to £500
  • Public liability cover up to £10m
  • Legal expenses cover
  • Personal accident cover, £100,000 (up to age 75)

Westminster Taxi Insurance levels

My Westminster offers 3 levels of taxi and private hire cover as detailed below.

Third party

Third party cover provides the minimum level of cover required by law. Third party policies pay out to cover the repair or replacement of other peoples’ vehicles, damage to other people's property, including injury or the death of any third party. This basic level of taxi cover offred by Westminster taxi insurance will not cover the repair or replacement of your own taxi following fire, theft or accident.

Third party Fire and Theft

This level of cover provides minimum third party cover, but will pay out for the repair of your own private hire vehicle if it’s damaged by fire or for the cost of replacement if it’s stolen.


This level of cover includes all of the above but also, importantly, for any damage to your own taxi even if you were at fault. 

What is PHV Insurance?

This is a form of insurance specific to private hire drivers, drivers that must be prebooked. A private hire vehicle insurance policy or PHV insurance provides cover to the growing number of drivers in this service sector. If you are a taxi driver and can be hailed down, then you need taxi insurance. The panel can provide comparative quotes for both types of insurance. 

Westminster Taxi Insurance Options

All insurance brokers can offer addition types of insurance that can be added to the base taxi insurance policy, these include: 

  • Taxi breakdown cover
  • Personal Use Cover : This is a popular option that covers you for domestic and social use.
  • Courtesy Taxi : If you are involved in an accident that prevents you from using your taxi, a courtesy taxi will be provided
  • Loss of Taxi keys : Cover for replacement and onward journey

Westminster Insurance Exclusions

All providers of insurance will stipulate exclusions, 

  • Working outside of specified region : If you pick up fares outside your region of cover specified in your policy, you may not be insured. 
  • Taxi Vehicle Theft : Similar to car insurance if you are careless and leave the keys in the ignition or in the car for cars without ignition. If the cab is stolen under these circumstances, the insurance company will not pay out. 

Westminster Offer Public and Private Hire Insurance 

Westminster can provide cover for these two distinct types of taxi service.

  • Public Hire : These taxis can be hailed from the roadside or from a taxi rank. 
  • Private Hire : These taxi must be prebooked in advance.

Can I Pay For Westminster Taxi Insurance Monthly?

It is easy to arrange to pay public hire or private hire insurance monthly to help spread the cost, in most cases an additional admin fee will be imposed so annual payment may be a cheaper option

Can I add Public Liability Insurance To My Westminster Policy?

Yes, Public liability can be added as extra to your Westminster taxi insurance policy. This will provide cover for claims made by a third party whilst you are plying your trade. 

Can I Add Fast Food Delivery Insurance To My Westminster Taxi Insurance Policy?

The Westminster agent will be able to add cover for food delivery, subject to Underwriting considerations.

More Than One Taxi - Taxi Fleet Insurance?

If you are operating a taxi rank or operate multiple taxis, consider taking out a taxi fleet insurance policy, it should work out cheaper, and it will definitely reduce your administration overheads.  Most if not all taxi fleet insurance providers will also offer generous discounts as you add more taxi cabs to your fleet.

Clegg Gifford / Westminster Head Office

Head Office
7 Eastern Rd, Romford, Essex, RM1 3NH

Westminster Taxi Insurance Agents

The agency network consists of agents that are expert in the field, and many are recruited from within the ranks of the taxi trade itself. They can all offer advice on all matters taxi insurance related including questions on Hackney Carriage, Private Hire, Executive Hire, Minibus and Taxi Fleet Insurance. All the agents accept payments by Credit and Debit Cards, or you can pay by Direct Debit over 12 months.

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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