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

    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.

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.

News

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Monday, April 27th 2020

Uber To Assist Drivers Looking For Alternative Work During The Coronavirus Pandemic

As a bid to prevent the virus spreading even further as countries across the globe fight to bring the pandemic to an end, ride-hailing companies such as Uber and Ola have suspended many of their usual services in many cities worldwide. Additionally, even in cities where Uber services remain operational, Uber drivers have now found […]

Friday, April 17th 2020

Taxi Unions Calling For Support From The Government Amid Coronavirus Crisis

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Wednesday, April 8th 2020

Taxi Firms Offering Services to The NHS and The Vulnerable

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Wednesday, April 8th 2020

Taxi Drivers Reveal The Most Shocking Secrets They’ve Heard From Passengers

When your job is to take passengers around all day, you’re bound to overhear some strange and interesting stories whilst working. Taxi drivers from around the world have come to Reddit to share their experiences overhearing bizarre stories.   “Business Trip”, eh? One user shared: “I picked up this young, overly-affectionate couple that spent the […]

Wednesday, April 1st 2020

The Most Common Passenger Scams Used On Uber Drivers

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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

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