Taxi insurance
We insure 1,000’s of taxi drivers
70 years experience
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Helping businesses with insurance for over 70 years
Finding you the best cover
We have a panel of 120 insurers to discover suitable quotes and tailored cover for your needs.
Experts
Our team of insurance specialists have more than 70 years experience in the industry.
Personalised cover
Our agents conduct a thorough fact find to understand your unique requirements, then work with insurers to get you the cover you need.
More than just insurance
Radius offers telecoms, fuel cards, telematics, insurance, electric vehicle charging, energy and vehicle solutions to businesses across five continents.
Search our panel of insurers to find competitive cover
We work with household names to small specialist insurers to find the best policy for your business vehicles.
Three simple steps
The fact find
Complete the online question set or speak to one of our agents.
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We identify the policy that best suits your business requirements.
Your taxis insured
Complete your insurance purchase online in minutes or over the phone.
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Types of taxi insurance
Single vehicle taxi insurance
Single vehicle taxi insurance has been made specifically for individual taxi operators. This personalised insurance type focuses on a sole operator's unique needs and risks, supplying broad coverage for their specific vehicle. We can provide cover for either individual public hire or private hire cabs.
Taxi fleet insurance
Taxi fleet insurance serves businesses operating multiple taxis, offering a unified coverage solution that simplifies management and reduces costs compared to insuring vehicles individually. Other benefits of taxi fleet insurance include a single renewal date, adding named drivers, and using telematics to track your vehicle.
Do you need taxi insurance?
The unique nature of taxi services, where drivers are compensated for hire and reward, demands a taxi badge and dedicated taxi insurance for any vehicles you operate. This insurance ensures both you and your passengers are protected, financially, in the event of accidents or other unforeseen circumstances.
Unlike standard policies, taxi insurance caters to the specific risks associated with the day-to-day operations of a taxi service.
Private hire and public hire insurance: What's the difference?
Private hire and public hire insurance are two distinct types of coverage for taxis, each catering to different operational models.
Private hire insurance is for taxis that operate on a pre-booked basis only. This includes minicabs. These vehicles cannot legally pick up passengers without prior booking. As a result, private hire insurance accounts for the lower risk associated with scheduled pickups and the absence of hailing a taxi.
On the other hand, public hire insurance is designed for taxis that can be hailed on the streets. Examples include traditional black cabs and hackney carriages. These vehicles face higher risks due to the nature of picking up passengers without prior bookings, often in busy urban areas. These additional risks are addressed by public hire insurance to provide coverage that reflects the service's spontaneous nature.
Do you need public liability insurance?
Whilst it may not be legally mandatory, it is highly advisable all taxi drivers have public liability insurance. This type of insurance provides protection against claims made by third parties for injuries or damages incurred either while in your taxi, or as a result of your business operations.
Considering the nature of taxi services, where interaction with the public is frequent, and the risk of direct accidents or incidents is higher, public liability insurance acts as a crucial safety net. If you encounter legal claims or lawsuits, this insurance can prevent the financial implications from being devastating.
In some cases, your taxi insurance policy could feature an element that incorporates public liability insurance. However, it's essential to check this is the case. If it isn't, you may have to purchase this either as a separate policy or add-on.
Frequently asked questions
Can’t find an answer to your question? Talk to the Radius customer support team on 0114 261 2020. We’re here to help you with any questions or concerns you may have.
What is taxi insurance?
Can you insure a taxi for personal use?
Can family members drive your taxi?
What types of vehicles can be covered under taxi insurance?
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UK Fuels, Joseph W Burley and Partners and Milestone Insurance Consultants are owned by Radius Limited, with registered company number 08260702. Registered address: Eurocard Centre, Herald Park, Herald Drive, Crewe, Cheshire, CW1 6EG. Radius Insurance Solutions is a trading name of Joseph W. Burley & Partners (UK) Limited (registered company number 3668469 and FCA reference number 300425) and Milestone Insurance Consultants Limited (registered company number 04587285 and FCA reference number 307191). Authorised and regulated by the Financial Conduct Authority.