Insurance & Cover Types

UK Taxi insurance follows the traditional options for cover type

Taxi insurance is required if you intend to carry passengers for hire or reward. Your taxi must be in good working order and licensed by the appropriate licence authority in your area. There are two types of UK Taxi Insurance:

  • Public Hire Insurance

    For taxis that are licensed to pick people up off the street without a prior booking

  • Private Hire Insurance

    For private hire vehicles that can only pick up pre-booked fares.

UK Taxi insurance follows the traditional options for cover type:

Comprehensive

Comprehensive taxi insurance covers your taxi for damage, whether it’s your fault or not. You’ll also be covered should you become the victim of fire, theft or vandalism to your vehicle. Third party liability is also covered, so if you should be at fault in an incident, the other party’s losses will be paid for by your insurer.

We know that getting back on the road after an accident is vital for you to continue working. By choosing comprehensive taxi cover, you can protect your day-to-day work as a taxi driver.

Third Party, Fire & Theft

With third party cover, your insurer will cover the cost of repairs to another vehicle, should you be at fault for any damage. This insurance will also protect you from other claims, such as compensation for injury or other property damage, in cases where you may have caused an accident.

As this cover also includes insurance against fire and theft, you can be safe in the knowledge that you’re covered if the unexpected should happen. If your taxi is stolen and never recovered, or written off as the result of fire damage, your insurer will be able to provide a lifeline to get you back on the road.

Third Party Only

Third Party Only will cover you if you cause damage or injury to any third party property, vehicle or person, this also covers you for injury to your passengers.

Got questions around insurance type?

Speak to a member of the Freeway team for more information about getting the right cover for your taxi.

Executive Taxi Insurance Specialists

Our standards are unashamedly high.

Finding the right executive taxi insurance at the right price for a new customer is just the start of the Freeway experience. We place huge importance on how our executive car drivers and chauffeurs are looked after throughout their period of cover. We make sure we respond quickly to any changes our chauffeurs need to make to their policies and we guarantee we’ll be there to see them through the claims process should they need to report an accident.

For us, the proof of a superior executive driver insurer is in its honest customer reviews and the number of customers who are happy to renew year after year. Freeway is proud of its Trustpilot customer feedback five-star rating and its record of customers who renew each year, including those who have experienced Freeway’s in-house claims process.

Executive taxi insurance from Freeway includes as standard: public liability insurance for £10 million, legal expenses, windscreen cover, as well as our excess reduction option and protected no claims if hit by an uninsured driver. We’re confident we won’t be beaten on price for this level of cover.

Why Choose Freeway?

Freeway is focused solely on private hire, public hire, executive car and Uber taxi insurance. We deal with taxi insurance – nothing else – and we think we do it better than anyone else.

It means we have an in-depth understanding of the industry and we’ve tailored our products around what UK taxi drivers really need.

Read More

The most comprehensive cover ‘as standard’. We’re confident we can't be matched on that.

Focused on speed. We know time is money and you want your cover sorted as quickly as possible.

We are constantly investing in technology so that we can make it easier for our customers to manage their policies.

Great track record in new driver prices. Less than two years no claims? We’re confident we can get you the very best price.

Our TrustPilot score says it all. We work hard to maintain our 5-star, Excellent rating.

We conduct regular research to stay on top of the changes affecting taxi drivers in the UK so we can keep you informed.

We have one of the best customer renewals rates in the industry. Our existing customers don’t need to look elsewhere.

We operate a 24/7/365 UK-based claims support team.

News

The Most Common Passenger Scams Used On Uber Drivers

Driving for ride-hailing applications such as Uber may open you up to more passengers, and allow you to earn some extra money. However, it is also leaving you much more vulnerable to scams pulled by passengers and con-artists. Here is a list of the most common scams, and what you can do to avoid them. […]

Thursday, March 26th 2020

How To Deal With Rude Passengers

It’s the worst nightmare of every taxi driver. Dealing with rude passengers can be an extremely hard task, especially when you don’t know how much the situation will escalate. Most passengers are extremely pleasant, but it only takes one to completely ruin your day. You may be wondering what your rights are for what you […]

Monday, March 23rd 2020

Ola Withdraws From Brighton Before Taking a Single Ride

Back in April 2019, ride-hailing firm Ola were granted a licence to operate vehicles in the Brighton & Hove district. However, before a single ride was taken, the company has decided not to renew its licence. It was initially awarded a licence to operate in the area for one year. The company first appeared to […]

Tuesday, February 25th 2020

Taxi Company Owner Fined For Hiring An Unlicensed Driver

A taxi company owner based in Wakefield has received a large fine, as well as disqualification from driving for 6 months. Debra Tingey, owner of Tingeys Taxis, pleaded guilty at Leeds Magistrates’ Court of operating a vehicle with an unlicensed driver. She also pleaded guilty to allowing the use of an unlicensed vehicle with no […]

Monday, February 24th 2020

The Consequences Of Overcharging Passengers

When becoming a taxi driver, you have to deal with numerous stereotypes and accusations, such as, “They always go the long way to overcharge you”, or “They’re just going to rob you if you’re not careful!” However, over the last few months, there have been numerous reports of passengers being overcharged or taken advantage of. […]

Thursday, February 20th 2020

New Ride-Hailing Firm Takes On Uber

Whilst it may be game-uber for one ride-hailing service in London, the city is saying “hola” to another. Ola is an Indian ridesharing company, founded by businessman Bhavish Aggarwal. The idea began when Bhavish was taking a cab ride, and suddenly the driver stopped to renegotiate prices. When Bhavaish refused to agree, he was left […]

Thursday, February 20th 2020

Google Maps Is Introducing a New “Stay Safer” Feature For Taxi Rides

There’s nothing quite scarier than the feeling of being lost in a completely different country, and being unsure of where to go. This is especially apparent when you enter a taxi. What if the driver leads you off-course? Are they a genuine taxi driver? What if they try to scam? “Stay Safer” is a new […]

Friday, February 14th 2020

Couple Launch New Taxi & Tour “Tuk-Tuk” Service On Isle Of Wight

If you’ve ever been to foreign destinations such as Manila or Bangkok, you’re probably familiar with the peculiar-shaped 3 wheeled taxis named tuk-tuks. These small vehicles, inspired by the rickshaw bikes, are incredibly popular with tourists. Now, a local couple is aiming to bring the tuk-tuk to the Isle of Wight. “The Isle of Wight […]

Wednesday, February 12th 2020

Uber Loses London Licence – What Happens Now?

Uber has recently lost its licence to operate in London after TfL (Transport for London) found that more than 14,000 journeys were with drivers using a fake identity on the app. This is likely to have a huge knock-on effect on the thousands of drivers who work for Uber around the city. If you live […]

Tuesday, February 11th 2020

How To Drive Your Taxi Safely This Winter

With winter already hitting us hard, weather conditions are expected to become more severe as the temperature gets colder and the nights get longer. To help you prepare, we’ve created a list of things for you to be aware of, and things to avoid. How can I prepare for icy driving conditions? It’s highly advised […]

Tuesday, February 11th 2020

Next

Get an instant online quote or speak to a member of our team

Instant Quote