Taxi Insurance
We know taxi insurance the way you know your local area. That’s why a quote from us will help you find the affordable route to the right policy.
- Taxi insurance quotes for anywhere in the UK (except Northern Ireland)
- Policies cover private hire, including chauffeur-driven services
- £100,000 legal expenses with every policy
- Flexible payment options
As a cab driver you depend on your vehicle being on the road and fully protected, so getting the right taxi insurance at an affordable price is vital. That can be hard if you have driving convictions on your licence, claims on your record, or work in a high-risk postcode area.
Finding cover for even the most unusual situations is our speciality. We work with leading UK insurers to provide great value policies to taxi drivers who find it difficult to get affordable cover elsewhere, so we can also offer cover for drivers operating in high risk areas, and drivers who’ve previously had an insurance policy cancelled.
Insurance features
Our policies provide cover that includes:
- Cover for your taxi’s radio system, metering equipment and satellite navigation equipment if you have it
- Personal belongings
- Passenger personal effects and luggage
- Taxi fares
Taxi insurance for convicted drivers
We can help convicted drivers find affordable taxi insurance.
If you have points on your licence, or have been banned due to driving convictions, you’ll find that Fare Cover can help you where many other insurers won’t. We help convicted drivers get taxi insurance, so you can get on with doing your job.
You’ll benefit from our extensive knowledge of the taxi insurance industry to access exclusive rates for convicted drivers. Whether your offence was for speeding (SP30 and SP50), drink-driving (DR10), mobile phone offences (CU80), offences that have resulted in a disqualification (TT99) or any other conviction, ask us for a quote.
We’ll also help drivers with non-motoring convictions.
Trying to get affordable taxi insurance with claims on your record?
Drivers with a poor claims history may also struggle to obtain cover at a reasonable price. If you’ve had a few accidents, we can usually obtain rates for drivers in your situation, so call for a no obligation quote.
The difference between private and public hire
Private hire
Can only collect pre-booked passengers or from a taxi rank for hire and reward. Uber drivers are included in this group.
Public hire
Licensed hackney carriages which can be hailed in the street as well as take pre-booked passengers or from taxi ranks. London black cabs fall into the category.
Why taxi insurance can be expensive
Despite being professional drivers there are a few reasons why insuring a taxi may not be as cheap as standard motor insurance:
- Drive more miles than a typical motorist and often in heavily congested areas. This means they are statistically more at risk of having an accident even if they aren’t at fault. This is only amplified when driving in a busy city.
- Likely to have a larger vehicle to carry more passengers.
- May have modifications such a wheelchair access ramp.
- Public liability insurance may be included which protects the driver in the event a claim is made by a passenger.
Select Additional Products
To make sure that all of our customers experience the same level of claims service, regardless of the insurer they choose, we sell Motor Legal Cover with all taxi policies.
Motor Legal Cover provides up to £100,000 for legal expenses to help you recover any financial losses from a non-fault claim, such as lawyers’ fees, expenses relating to repair costs and recovering your excess. You’ll also get assistance arranging a courtesy vehicle if you’re involved in an accident that wasn’t your fault.
Whether you use your car for work, the school run, family holidays or business trips abroad, we offer a range of breakdown policies to suit your budget and needs. Our breakdown cover also protects vehicles up to 20 years old!
Check the table below to see which level of cover is best for you:
| Benefits | Roadside Assistance | Motor Assistance UK Only | Motor Assistance UK & EU |
|---|---|---|---|
| Cost | £45.95 | £65.95 | £74.95 |
| Roadside Assistance – 10 Mile Limit | |||
| Misfuelling Cover | |||
| Roadside Assistance & Nationwide recover Service | |||
| Homecall | |||
| Alternative Travel or Accommodation | |||
| Message Relay | |||
| Alternative Driver | |||
| Accident Hospitalisation | |||
| European Cover |
Call us on 0800 997 8236 to add this to your cover.
Excess Recovery will refund all or part of your excess in the event of a claim for an accident, a theft or fire, or an incident where there is no third party to claim from.
Adding just £36.95 to your policy, for example, would mean a reimbursement of £350 of your excess, which in many cases could mean you lose nothing at all! See below to choose the best option for you:
| TPF&T or Comprehensive | |
|---|---|
| Excess Covered | Cost |
| £350 | £36.95 |
| £500 | £51.95 |
| £750 | £67.95 |
| £1000 | £82.95 |
| £1500 | £108.95 |
Call us on 0800 997 8236 to add this to your cover.
Do you want windscreen protection without the cost of upgrading to comprehensive cover?
This stand-alone windscreen cover policy provides protection against the kind of damages that can make your vehicle unsafe to drive or cause you to fail your MOT. The kind of loses you won’t be covered for if you’ve chosen to buy a third party only or a third party, fire and theft policy.
Windscreen Cover provides up to £500 worth of repair or replacement costs in a 12 month period.
Only £36.95 for the year. Call us on 0800 997 8236 to add this to your cover.
Complete Fare Cover
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Specialist taxi policies for drivers with motoring convictions
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All levels of cover for all levels of driving experience
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Partnerships with leading UK insurance companies
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Great value polices and affordable payment options available
