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Taxi driver insurance

Join over 900,000 UK customers with cover from £3.49 per month*

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  • Compare tailored insurance for taxi drivers from trusted brands

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Based on 39,802 reviews

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Claims paid in 24 hours

For 80% of settled claims

What's on this page

  • Why is insurance important?
  • What does it cover?
  • How much does it cost?
  • How do claims work?
  • FAQs
  • Helpful articles

Insurance for taxi drivers – why is it important?

As a taxi driver, you're responsible for your safety, your passengers' safety, and that of the general public. Fortunately, this doesn’t have to put a stop to your business activities. We offer tailored cover to protect you against the cost of a claim if the worst should happen.

  • liability insurance for taxi drivers, including public and employee risks
  • compare cover from expert UK brands and protect your business
  • rated 4.7/5 based on 39K+ public liability customer reviews

Start your quote

Taxi driver insurance cover?

Public liability insurance is usually a key cover for many businesses. It protects your business against compensation claims if a member of the public gets injured or loses out financially. Beyond that, tailor your policy to your needs as a taxi drivers, adding covers as you need them.

Public liability insurance

In case your business and products cause an injury or property damage.

What’s typically covered by taxi public liability insurance?

Claims against your business for:

  • damage to someone’s property, caused by your work
  • an injury or illness caused by your business activities
  • certain accidental damage or injuries caused by your employees

For example:

  • you accidentally knock a shelf of products onto the floor while working on a client’s premises, which break and need replacing
  • you leave a trailing cable outside your premises, causing someone to trip and injure their back
  • an accident happens at your premises and someone is injured because of your work

**If you do employ anyone, you’re usually required by law to have employers’ liability insurance too.**

Read more about public liability insurance

Employers’ liability insurance

In case anyone gets ill or injured while working for your business.

What’s typically covered by employers’ liability insurance?

Claims against your business for:

  • injuries to staff (including casual labourers and contractors) that are caused as a result of your business
  • illness suffered by an employee (including temps and casual workers) caused by working for you

**Employers’ liability insurance is required by law if you have people working for you. Without it, you could be fined up to £2,500 a day for each employee.**

For example:

  • your office manager breaks their finger while trying to close a faulty window at your business premises
  • your receptionist trips over a cable running across the floor of your office, breaking their ankle
  • a temp worker scratches their arm on one of your tools, and the injury becomes infected

Contents insurance

In case something happens to your fixtures, fittings, or operational equipment.

What’s typically covered by business contents insurance?

Claims against your business for:

  • damage and destruction caused by flood, fire, vandalism, or theft
  • cover for your contents and the equipment needed to run your business

For example:

  • a flood spreads to your office floor and means you need to replace several desk chairs
  • your photocopier and fax machine are badly damaged during a break-in
  • four business smartphones are stolen from your premises

Read more about busines contents insurance

Business legal insurance

In case you’re hit with legal expenses connected to your business.

Claims against your business for:

  • VAT disputes
  • theft of your company’s identity illegally
  • compensation under data protection legislation

For example:

  • HMRC is investigating your VAT affairs, triggered by seemingly incorrect figures on your return
  • a fraudster steals your company’s bank details and buys goods to set up a new line of credit with banks or retailers
  • a client is claiming you didn’t process their data in accordance with GDPR, and is seeking compensation

Read more about business legal insurance

Excess insurance

In case you need to make a claim on your insurance policy.

What's typically covered by excess insurance?

Claims made by you for:

  • the cost of the excess you’d have to pay when making a claim on a cover included in your business insurance policy

For example :

  • after a heavy storm you need to make a claim on your building cover – you don’t have to pay the £250 excess thanks to your excess insurance
  • a leak in the bathroom causes a guest to slip and injure themselves and thanks to excess cover, there’s no excess to pay on the claim
  • a tenant’s suitcase scratches the wooden flooring in your hallway – you won't have to pay any excess on your accidental damage claim

This content has been created for general information purposes. Make sure you have the right level of business insurance by checking your policy documentation for details. Read our full Terms and Conditions

How much does taxi public liability insurance cost?

Find out how much you’ll pay by comparing prices from a range of trusted insurers. You choose what goes into your policy, so you only pay for what you need.

Prices start from £3.49 per month

Get your quotes in 7 minutes – prices are guaranteed for 30 days.

Get your tailored quotes in 7 minutes

Start your quote

*The price is for £1 million of public liability insurance - 10% of customers paid £41.87 or less annually between 1st Oct 2023 - 31st Mar 2024. Equivalent to £3.49/month (and excludes the extra costs for paying monthly). If you complete a quote more types of cover will be available, these all have additional costs.

What kind of excess should I expect?

An excess is an amount you pay towards any claim you make on your insurance. For example, if your excess is £250 and you make a claim worth £1000, your payout will be a maximum of £750.

Insurance cover

Lowest excess

Highest excess

Public liability

No excess

£750

Employers' liability

No excess

No excess

The figures above are for guidance only and any excess applying to your quote may differ. You’ll get a breakdown of the excesses for each quote when you compare with us.

How it works

  • Pick what goes into your policy

    Only pay for what you need

  • Get prices from a range of insurers

    Choose the best fit for you

  • Buy online in minutes

    Get your documents the same day

Start your quote

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How do insurance claims work for taxi drivers?

Unlike price comparison websites, we take the hassle out of claims for you. We know how important it is to get your business back on track quickly – and with a minimum of fuss. That’s why you get access to your dedicated claims team any time, day or night. Call them on 0333 207 0560 or claim online. They’ll do their best to be fair and supportive.

£51 million in claims paid out in 2023

83% of claims were settled in 2023

The figure above is rounded across our range of products. "Settled" covers paid, declined or withdrawn. Our claims process may vary for different products and operates on a ‘claim by claim’ basis. Our specialist partner Sedgwick will pay the claims on behalf of the insurer. Reviewed on 24/04/2024.

Chosen by 900,000 small businesses and landlords

We started out as a team of 5 back in 2005. We’ve grown since then with 900,000 customers across 1,500 trades now trusting us to provide their insurance.

  • Compare and buy in minutes

    Documents arrive today

  • Rated 4.8/5

    Based on 39,802 reviews

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    Help from UK-based experts

  • 24/7 claims

    Make a claim any time

Taxi public liability insurance FAQs

Whether you’re new to buying business insurance or you’ve been trading for a while, here are the answers to some commonly asked questions about insurance for off licences. You can also check out our business insurance FAQs.

  • Yes. You may start offering additional services that require you to use different skills or carry out different tasks. If you find yourself in this situation, it’s important to give us a call on 0333 0146 683 to update your policy before you take on this new work.

    If you don’t have the correct type of cover in place for the work you do, you may be unable to claim on your policy if something goes wrong.

  • Each insurer looks at CCJs and IVAs differently – some apply stricter rules than others, but having a CCJ or IVA doesn’t necessarily mean you won’t be able to buy insurance.

  • You can choose the payment type that suits your business and cash flow best. Some customers prefer to pay in one go, while others prefer to pay a regular monthly amount, like you do with lots of other bills. Simply Business offer three ways to pay for your policy:

    • one-off credit or debit card payment
    • BACS payment
    • Direct Debit

    If you choose to pay by Direct Debit, our credit provider, Premium Credit, pays Simply Business the full amount for your policy up front. You then repay Premium Credit in 10 monthly installments.

  • This will depend on whether you have employers’ liability insurance in place. Public liability insurance is designed to protect your business against the consequences of legal action brought by members of the public for injuries or damage to their belongings. But when it comes to your employees causing injury or damage, this protection only activates if you also have employers’ liability insurance.

    If you employ people, you’re required by law to have employers’ liability insurance.

    There’s one exception here. Family businesses that aren’t incorporated as a limited company are not legally required to have employers’ liability insurance. The government defines a “family business” as one where all your employees are closely related to you (as a spouse, civil partner, sibling, child, parent, grandparent, grandchild, step-parent, stepchild or half-sibling). So if you run an unincorporated family business and you choose not to get employers’ liability insurance, it’s important to know that your public liability insurance wouldn’t cover you against damage or injury caused by your team.

  • Make sure you’re covered for the services you provide:

    The types of businesses we insure:

We create this content for general information purposes and it should not be taken as advice. Always check policy documentation for details and seek professional advice. Read our full Terms and Conditions

Helpful articles for taxi businesses

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11 March 2022 • 8-minute read

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