Taxi insurance for single drivers, fleets, and rental businesses
- Cover that keeps you legal and trading
- Whether you work ranks, pre-bookings, or app-based platforms
- Competitive rates from insurers who understand taxi businesses and risk
What is taxi insurance?
Taxi insurance provides specialist cover for licensed vehicles carrying paying passengers.
It's a legal requirement that's completely different from standard motor insurance. Taxi insurance covers passenger liability, regulatory compliance, and the specific risks of passenger transport businesses.
Without the right insurance, you're not legally allowed to carry passengers for payment, regardless of your license type.
Your options for taxi insurance
Private & Public Hire Taxis
Policies for licensed taxis, whether you work pre-booked or rank-based. Comprehensive protection that includes passenger liability, vehicle damage, and full regulatory compliance for your work type.
Taxi Fleet Insurance
One policy for multiple taxis - ideal for operators and bases. Streamlined fleet management for multiple vehicles and drivers with flexible policies accommodating different driver arrangements.
Taxi Rental & Self-drive
Cover for vehicles you lease to other drivers under your hire licence. These are specialist policies for rental businesses, covering vehicle risks of leasing to multiple drivers.
Base & Office Cover
Protection for your operating base, staff liability, and office equipment. Business policies that cover premises, equipment, and staff. For established organisations with a fixed base.
Common questions about taxi insurance
If you can’t find an answer to your question, speak to a member of our team on 0113 323 6088
Yes, we cover all licensed taxi businesses including private hire vehicles, hackney carriages, and specialist accessible vehicles. Policies meet the specific regulatory requirements for each license type.
We can arrange cover that works through approved platforms and apps, provided you hold the appropriate license. Your policy will meet platform requirements while maintaining competitive rates.
Private hire vehicles must be pre-booked and can't pick up from ranks or be hailed. Hackney carriages can be hailed, work from ranks, and take pre-bookings. Different licenses mean different insurance requirements and risk profiles.
NCD-rated policies protect each vehicle's individual no-claims discount - if one taxi has a claim, it doesn't affect the others. Fleet-rated policies use your overall business performance across all vehicles to determine pricing - better for established operators with good overall claims experience.
We work with specialist taxi insurers who understand that new taxi drivers may have extensive driving experience. We help new entrants find competitive cover while building a taxi-specific policy.
Yes, our taxi self-drive fleet policies provide comprehensive cover for operators leasing vehicles to licensed drivers, including both vehicle risks and additional rental business exposures.
Talk to us about arranging taxi cover that meets all licensing requirements
Speak to a member of our team on 0113 323 6088
Parkstone Broking Ltd T/A Parkstone Insurance, 20-22 Parkside Horsforth, Leeds, West Yorkshire, United Kingdom, LS18 4DN, Company Number: 16501720
Parkstone Broking Ltd (Firm Reference Number 1035981) is an Appointed Representative of Bullerwell & Co Limited who are an independent insurance intermediary authorised and regulated by the Financial Conduct Authority (Firm Reference Number 301045).