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 and 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

    Public Hire Insurance is 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.

The Private Hire Taxi Insurance Specialists

We know that taxi insurance is one of a driver’s biggest costs and finding the best deal on the most suitable cover is a must. So we make sure our prices are amongst the cheapest out there and we include more in our standard cover than any other taxi insurer.

Private hire taxi insurance from Freeway includes as standard: public liability insurance cover 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.

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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.

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