If you are a private hire taxi driver, you probably work out of an office while you wait for bookings. Accordingly, in addition to the standard “motor” element to your policy, private hire taxi insurance should also cover your taxi base. If you rent your office, check that the buildings insurance is covered by the landlord. Even if it is, you still need to insure your contents for damage from fire, floods and theft. Your contents might include your phone and computer booking system.

Perhaps as a minicab firm you run a team of drivers. In which case, you may be able to add all of them to a single private hire taxi insurance policy.

Public hire taxi insurance

As a Hackney Cab driver you will spend more time out and about on the streets looking for fares, so it is statistically more likely that you could have a small prang. When you are looking for your public hire taxi insurance policy, consider taking a voluntarily higher excess, which will give you a cheaper premium cost. This does mean that you have to pay for the damage of such prangs yourself, but you will not damage your “no claims” bonus.

Being busy on the street the whole time you may not have a chance to call into an insurance office, so select a provider that has a UK based phone helpline that is available at to discuss your public hire taxi insurance needs at your own convenience.

Insurer	Outstanding Features	Quote
	Private and public hire vehicles single or fleet cover, Bonus earning schemes available, 3, 6 and 12 month policies, Flexible Payment Options, Cover available nationwide, Minibuses, MPV and coach cover. £100 cashback or free breakdown for new customers! Terms and Conditions may apply.	Freephone Quoteline 0800 466 1989

All taxi drivers are required, by law, to have taxi and private hire insurance before they can start to work. It’s necessary to protect the driver, passengers and the people they work for in the event of a claim, and means that they’re not personally responsible for any money owed.

Because it’s a legal requirement, anyone that gets into a UK taxi should be safe in the knowledge that their driver is covered by taxi and private hire insurance. They’ll need to prove their cover before they can start to work, and will need it in order to get a taxi license. The addition of public liability cover means that passengers are covered for any eventuality, and means that you can travel safely knowing that everything is taken care of.

The only time that any passenger should be wary is in the event of them using an unlicensed or unmarked taxi cab. If the taxi driver is working illegally then it’s quite likely that they’ll be uninsured as well, so to prevent this concern always go for a taxi driver or company that’s well known, regulated and licensed.

Taxi drivers don’t need to display proof of their insurance on their ID, but there are a number of other things you can check so you know for sure that the taxi driver is covered. The driver will have to display a photo ID badge with all of their details, and also a numbered plate showing the local authority they work for, the make and model of their vehicle, their licence expiry date and also the number of passengers they’re allowed to carry at any one time. Before drivers can be given this they have to prove their taxi and private hire insurance, so as long as you can see the plate and the ID you can be sure that the driver is insured.

Taxi and private hire insurance is essential for all taxi drivers, and, so long as they get into a licensed cab, passengers can travel safe in the knowledge that they’re completely covered for anything the journey could throw at them.

Insurer	Outstanding Features	Quote
	Private and public hire vehicles single or fleet cover, Bonus earning schemes available, 3, 6 and 12 month policies, Flexible Payment Options, Cover available nationwide, Minibuses, MPV and coach cover. £100 cashback or free breakdown for new customers! Terms and Conditions may apply.	Freephone Quoteline 0800 466 1989

In the current financial climate, everyone’s looking to get the best deal possible for whatever they’re after. Taxi insurance is no exception. Many people are on the lookout for cheap private hire taxi insurance, but this isn’t always the best route to go down.

Cheap private hire taxi insurance probably won’t give you the same level of cover that a more comprehensive policy can, and when it comes to taxi insurance you need to make sure that you’re getting the best cover possible to make sure that you’re prepared for all eventualities. Your insurance needs to protect not only you but also your passengers and even the owner of your fleet, and you don’t want to be held accountable for any additional costs incurred in an accident or breakdown.

By going down the cheap road you’re unlikely to get the same extras, such as breakdown assistance, legal expenses or a replacement car, than you could find in a more expensive policy. You want to make sure that you’re covered for anything that could happen, and unfortunately you have to pay for that privilege.

Anyone hoping to get the same price for taxi insurance than they can get for their other cars will often be disappointed. Taxi insurance tends to be more expensive than insurance for other types of motor vehicle simply because they’re often involved in more accidents and will get more use than regular cars, and insurance policies will reflect that extra risk. As such, cheap private hire taxi insurance is hard to come by.

However, looking for cheap taxi insurance needn’t be a complete let down. There are several companies that will be able to offer great deals, even with the additional cover, so long as you know what you’re looking for and where to look.

As you can see, there are a number of risks in opting for cheap private hire taxi insurance, and as such it’s best avoided. You want to make sure that you’ve got the best cover possible and you need to be prepared to pay for it, so always go for the best cover you can afford.

Insurer	Outstanding Features	Quote
	Private and public hire vehicles single or fleet cover, Bonus earning schemes available, 3, 6 and 12 month policies, Flexible Payment Options, Cover available nationwide, Minibuses, MPV and coach cover. £100 cashback or free breakdown for new customers! Terms and Conditions may apply.	Freephone Quoteline 0800 466 1989

Private hire taxi insurance is required by all drivers working out of a taxi depot. These are the taxi’s that you will call to come and collect you and take you to another destination. Insurance is required by law for any vehicle that is using the public highway. This is the same for the private hire taxi who commonly ferry people around from the shops to their home and vice versa for example.

Private Hire taxi insurance is usually more expensive, but you can reduce the cost if you have a clean license, good driving record, no claims against you and if you are over 25 and have been driving for more than a year. Firms that wish to hire drivers must ensure that the vehicle has private hire taxi insurance. The different types of insurance are fully comprehensive, third party fire and theft and third party only. You must have one of these to be able to drive your vehicle legally.

The driver’s vehicle must have one of these types in order to be fully protected. The laws are very strict and it can be to the driver’s great cost if he should be found to not have insurance. Worse still should you have an accident when ferrying passengers. There have been incidents where a driver has lost a lot of money or with firms going bankrupt due to not having insurance.

Insurance for private taxis can be paid at a monthly rate and for a small fee it is essential that you protect not only your passengers but also yourself. It is possible to reduce the cost of this type of insurance by going online and looking through the many different websites that offer insurance. It is also a good idea to double check everything that is associated with your policy by researching using the internet.

Private hire taxi insurance is an essential requirement for those who wish to drive a taxi and it is the law, so be sure that you purchase insurance before you drive.

Insurer	Outstanding Features	Quote
	Private and public hire vehicles single or fleet cover, Bonus earning schemes available, 3, 6 and 12 month policies, Flexible Payment Options, Cover available nationwide, Minibuses, MPV and coach cover. £100 cashback or free breakdown for new customers! Terms and Conditions may apply.	Freephone Quoteline 0800 466 1989