Protect yourself, your vehicle, and passengers quickly with competitive policies.
Comprehensive Private Hire & Taxi Insurance for UK Drivers
At Crossroads Insurance Services, we specialise in providing tailored Private Hire & Taxi Insurance for drivers across the UK. Our policies are designed to protect you from accidents, legal claims, and unexpected downtime.
Types of Taxi and Private Hire Services We Insure
We provide insurance for a variety of taxi and private hire services, including:
- Private Hire Vehicles
- Public Hire Vehicles
- Hackney Carriage Taxis
- Black Cabs
- Uber Approved Insurance, as well as coverage for Bolt, Ola, Wheeley, and many more.
Why Do You Need Private Hire & Taxi Insurance?
As a private hire or taxi driver, your vehicle is the core of your business. Whether you’re driving passengers, delivering food, or carrying parcels, Private Hire & Taxi Insurance ensures that you’re covered for every eventuality from accidents to legal claims so you can keep your business running smoothly.
What Does Our Taxi Insurance Cover?
A standard Private Hire & Taxi Insurance policy typically provides the following coverage:
- Liability Insurance: Covers claims made by passengers or third parties for injuries or damages that occur while you are operating your vehicle.
- Accidental Damage: Provides coverage for damages to your vehicle resulting from accidents, ensuring that repair costs are covered.
- Theft and Vandalism: Offers protection against the theft of your vehicle or damages caused by vandalism.
Coverage Differences
It’s important to understand the different types of coverage available:
- Third Party Only: Covers damages and injuries to third parties but does not cover your own vehicle. This is the minimum legal requirement for operating as a taxi driver in the UK.
- Third Party Fire & Theft: Includes third-party coverage plus protection against fire damage and theft of your vehicle, but does not cover damages to your own vehicle from an accident.
- Comprehensive Insurance: Offers the highest level of coverage, including third-party damages, fire, theft, and any damages to your own vehicle resulting from accidents.
Add-On Coverage Options
We offer a range of add-on cover options to enhance your standard Private Hire & Taxi Insurance, allowing you to choose the level of protection that best suits your needs. These options come at an additional premium:
- Protected No Claims Bonus: Safeguards your no claims discount, ensuring you don’t lose it after a claim.
- Motor Legal Expenses: Covers legal costs up to £100,000 in the event of a non-fault accident, ensuring you’re protected against uninsured losses.
- Excess Protect Insurance: Reimburses you for up to £500 of your excess after a claim, reducing your out-of-pocket expenses.
- Complete Vehicle Hire Insurance: Provides a replacement taxi for up to 14 days if your vehicle is undrivable following a fault accident, keeping you on the road.
- Breakdown Cover: Includes roadside assistance, recovery, and home start services, ensuring you’re never stranded.
- Taxi Club Combined: A comprehensive package that includes motor legal
expenses, excess protect, vehicle hire, and breakdown services under one policy for maximum peace of mind.
Additional Coverage for Uber Eats, Bolt, Ola, and Delivery Services
For drivers working with Uber Eats, Deliveroo, Bolt, and other delivery services, our policies provide coverage that includes:
- Social, Domestic, and Pleasure Use: Including commuting to a permanent place of work.
- Carriage of Passengers or Goods: Including fast food delivery, for hire and reward by prior appointment only (private hire), ensuring compliance with the laws and regulations of the appropriate licensing authority. This ensures you’re covered whether you are transporting passengers or delivering food and parcels for hire.
Why Choose Crossroads Insurance Services?
- Specialist Taxi & Delivery Insurance: Designed for private hire, public hire, taxi drivers, and delivery drivers, offering extensive protection tailored to your unique
needs. - Flexible Payment Plans: Customisable payment options to suit your financial requirements.
- UK-Wide Coverage: From London black cabs to rural private hire drivers, including major rideshare and delivery platforms.
Frequently Asked Questions About Private Hire & Taxi Insurance
- Is taxi insurance different from regular car insurance?
Yes, taxi insurance is specifically designed for vehicles used for hire and reward, covering higher risks compared to regular car insurance. It is required by law for allprivate and public hire drivers in the UK. - Do you offer insurance for Uber and other rideshare platforms?
Yes, we offer Uber-approved insurance as well as coverage for Bolt, Ola, Wheeley,and Uber Eats. This ensures that you’re fully compliant with platform requirements. - Can I get insurance for food delivery services like Uber Eats or Deliveroo?
Yes, we offer specific coverage for drivers working with Uber Eats, Deliveroo, and other delivery services, ensuring that your vehicle is insured for carrying goods and fast food for hire and reward. - Is breakdown cover included in taxi insurance?
Breakdown cover is not included by default but can be added to your policy. With our Breakdown Cover, you will be covered for roadside assistance, recovery, and home start services. - Can I get a replacement vehicle if my taxi or delivery vehicle is in an accident?
Yes, with our Complete Vehicle Hire Insurance, you’ll receive a replacement vehicle for up to 14 days if your vehicle is undrivable after an accident. - How do I get a quote for private hire, taxi, or delivery insurance?
Call Crossroads Insurance Services at 0208 374 9331 for a personalised quote
tailored to your taxi business.