01
Charging and storage
Describe overnight locations and any charging equipment owned by the business. Vehicle insurance and premises or charging equipment cover may be separate.
Home / Taxi Fleet Insurance
LONDON ROOTS. PERSONAL SERVICE.
Taxi Fleet
Insurance.
Your vehicles and drivers, considered together.
Tell us about your taxi or private hire fleet, licensing arrangements and operators. We’ll explore the available insurance options for the business as a whole.
An initial enquiry. Cover starts only when arranged and confirmed.
Independent since 1978
Based in Crouch End, London
Speak to a real broker
INSURANCE AROUND YOUR BUSINESS
Multiple vehicles.
Different drivers.
One clear discussion.
Fleet cover needs to match ownership, passenger work and driver arrangements. We’ll ask about each of those before exploring terms.
Taxi fleets
Private hire fleets
Driver arrangements
Claims experience
Do not assume self-drive hire or renting vehicles to drivers is included. Explain those arrangements specifically.
Tell us about your requirements. Available cover depends on the insurer and your circumstances.
Explore your requirements
Electric and hybrid taxi fleets
Include the make, model, value, ownership and use of every electric or hybrid vehicle in your fleet schedule. Tell us how vehicles are charged, who drives them and whether they are rented to other drivers.
02
Repair and replacement
Discuss battery damage, recovery, repair arrangements and access to suitable licensed replacement vehicles. Benefits and limits vary by insurer.
03
Changes across the fleet
Agree how additions, removals and changes of use or driver are notified. Check any new vehicle and driver meet policy conditions before use.
ESTABLISHED
1978
An independent insurance broker
since 1978
London roots. Looking ahead.
WHY CROSSROADS
More than four decades.
Still personal.
Insurance starts with understanding what matters to you. We begin with a conversation.
01 / THE CROSSROADS APPROACH
Independent markets. Personal attention.
We explore the options available through our insurance markets, based on your vehicles, circumstances and the cover you need.
02 / THE CROSSROADS APPROACH
People you can speak to.
Tell us what you need and ask the questions that matter to you. Our team will talk you through the available options.
03 / THE CROSSROADS APPROACH
Know where you stand.
We explain the cover, excesses and relevant terms before you decide. You can ask us about the details at every stage.
01 / YOUR LEVEL OF COVER
Compare the cover.
Choose with confidence.
Compare the main differences. We’ll explain the levels available for your fleet and the relevant policy terms.
01 / COVER LEVEL
Third Party Only
Cover for your legal liability to other people.
Injury to other people
Included
Damage to other people’s property
Included
Fire or theft of your vehicle
Not included
Accidental damage to your vehicle
Not included
Windscreen repair or replacement
Not included
Does not insure loss or damage to your own vehicle.
02 / COVER LEVEL
Third Party, Fire & Theft
Third party liability, plus fire and theft protection.
Injury to other people
Included
Damage to other people’s property
Included
Fire or theft of your vehicle
Included
Accidental damage to your vehicle
Not included
Windscreen repair or replacement
Not normally included
Adds fire and theft cover, but not accidental damage to your vehicle.
03 / COVER LEVEL
Fully Comprehensive
Third party liability and wider protection for your vehicle.
Injury to other people
Included
Damage to other people’s property
Included
Fire or theft of your vehicle
Included
Accidental damage to your vehicle
Included
Windscreen repair or replacement
Check policy terms
Windscreen benefits, excesses and repair arrangements vary by insurer.
This is a general comparison, not a policy summary. Availability and benefits depend on the insurer. The policy wording and certificate set out the actual cover and permitted use.
Not sure which level to choose?
We’ll explain the available cover and excesses before you decide.
02 / YOUR POLICY DETAILS
The details.
The difference.
Explore the points to discuss when arranging taxi fleet insurance.
EXPLORE YOUR POLICY DETAILS
01
DETAIL
The licensed vehicle list
Provide registrations, values, seating, ownership and licensing details. Identify different vehicle types and any rental arrangements.
02
DETAIL
Who operates the vehicles?
Explain employment, sharing and driver allocation. Wider driver terms remain subject to age, licence and other restrictions.
03
DETAIL
Operators and contracts
Tell us the apps, operators, public hire work and contracts involved. Insurer acceptance and platform requirements must both be checked.
04
DETAIL
The fleet’s claims experience
Have claims experience and current schedules ready. Explain changes in fleet size, driver controls and the way the business operates.
These examples help us understand your needs. Available cover, terms and acceptance depend on the insurer.
03 / OPTIONAL EXTRAS
Extra protection.
A clearer picture.
Explore optional benefits and related policies. Some may already be included; others need separate cover. We’ll explain what is available for your circumstances.
01 / 06
Motor Legal Cover
Help with eligible legal costs when pursuing uninsured losses following a non-fault accident. Conditions apply to the prospects of success and authorisation of costs.
What we’ll help you check
- Which losses can be pursued?
- What must happen before costs are authorised?
- How is a claim reported?
02 / 06
Motor Breakdown
Explore roadside assistance and recovery for the vehicle use you declare. Home assistance, onward travel and vehicle restrictions depend on the product.
What we’ll help you check
- Does it accept this vehicle and its use?
- What weight, size or age limits apply?
- Which recovery and home services are included?
03 / 06
Replacement Vehicle Options
Check the transport available if your vehicle is off the road after an insured incident. A courtesy vehicle and a separate hire benefit can have different conditions.
What we’ll help you check
- Which incidents qualify?
- What vehicle type and hire period are available?
- What happens after theft or a total loss?
04 / 06
Motor Excess Protection
Ask about reimbursement of an eligible motor policy excess following a settled claim, subject to the protection limit and the product’s terms.
What we’ll help you check
- Which excess payments are eligible?
- What limits and exclusions apply?
- Which settlement documents are needed?
05 / 06
Public Liability
Discuss separate cover for liability arising from your business activities. It does not replace the motor insurance needed for use of the vehicle.
What we’ll help you check
- Which business activities are insured?
- How does it fit with the motor policy?
- What limits does my contract require?
06 / 06
Key Protection
Ask about help with eligible lost, stolen or damaged keys and locks. Check whether protection is already included before adding a separate product.
What we’ll help you check
- Which keys are covered?
- What claim limits and excesses apply?
- How is a replacement arranged?
Choose an option to explore. Availability, limits and exclusions vary. Related policies may be arranged separately; we’ll provide the relevant terms before you decide.
GETTING STARTED
Three steps.
Let’s get started.
01
Tell us what you need
Share your requirements and contact details. We’ll get in touch to discuss the information needed for a quote.
02
Explore your options
We discuss available cover, optional extras and payment arrangements, including the relevant terms.
03
Confirm before you drive
Complete the required information and arrangements. Check your documents and the confirmed start date.
Useful details to have ready
Licensed vehicle schedule · Ownership/rental arrangements · Drivers · Operators · Claims experience · Renewal date
Ready to discuss your cover?
Send a short enquiry and we’ll contact you to discuss your requirements.
CUSTOMER EXPERIENCES
Real people.
In their own words.
Read what customers say about their experience with Crossroads.
A LITTLE MORE CLARITY
Your questions
answered.
Answers to common questions about taxi fleet insurance, drivers and arranging cover.
Understanding the cover
How many vehicles do I need?
Minimum numbers vary between insurers. Tell us the present fleet and any planned additions.
Can public and private hire vehicles be combined?
That depends on insurer acceptance. Identify the use and licensing details for each vehicle.
Does fleet cover mean any licensed driver can drive?
No. Any-driver wording still has conditions. Check the actual driver restrictions before allowing someone to use a vehicle.
What if I rent vehicles to drivers?
Explain the full arrangement. Self-drive hire and rental exposures may need different underwriting and must not be assumed covered by an ordinary taxi fleet policy.
Vehicles, drivers and use
Will all apps accept the insurance?
Do not assume that. Platform document requirements and insurer acceptance need separate checks.
How are vehicles added during the year?
Follow the agreed notification procedure and confirm cover before use. Vehicle records and any reporting responsibilities must stay current.
Getting a quote
How do I request a quote?
Choose a quick callback or share your quote details using the enquiry form. You can also call 020 8374 9331. We’ll review your information and discuss the available options.
Does the enquiry form put cover in place?
No. It asks our team to contact you. Cover must be arranged and confirmed, with the required details and payment arrangements completed, before you rely on it.
Can I ask about monthly payments?
Yes. Ask us about available payment arrangements and the total cost. Instalments on an annual policy are not the same as a monthly insurance policy. Finance is subject to eligibility and terms.
Managing your policy
Can I change the policy later?
Contact us before changing vehicles, drivers or vehicle use. Insurer acceptance, additional premiums and fees may apply. Check the change is confirmed before relying on cover.
What happens if I want to cancel?
Please contact us and confirm your request in writing. Any refund, fees and outstanding finance depend on the policy terms, time on cover and claims position.
When can I speak to the team?
Call 020 8374 9331, Monday to Friday, 9am to 5pm. We are based at 133 Tottenham Lane, Crouch End, London, N8 9BJ.
OTHER WAYS TO WORK
Find your next route.
LET’S TALK ABOUT YOUR COVER
Your next journey
starts here.
Tell us what you need. We’ll take it from there.
Monday–Friday · 9am–5pm
133 Tottenham Lane, Crouch End, London, N8 9BJ