Taxi fleet insurance provides a single policy covering all licensed taxis and private hire vehicles operated by your business. Cover includes third-party liability, fire and theft, and comprehensive.
Taxi fleet insurance provides a single policy covering all licensed taxis and private hire vehicles operated by your business. Cover includes third-party liability, fire and theft, and comprehensive damage options, all with hire and reward use included as standard. Most taxi fleet policies also include public liability for passenger injuries, breakdown assistance, and legal expenses. The key advantage of a fleet policy over individual vehicle policies is administrative simplicity and typically lower overall premiums.
All taxis and private hire vehicles must be licensed by the relevant local authority and must hold insurance that meets the minimum requirements set by the licensing authority. Most licensing authorities require a minimum of £1m public liability cover and comprehensive or third-party fire and theft motor cover. Some authorities have additional requirements. Focus Insurance works with specialist taxi insurers who understand licensing requirements and can provide compliant cover.
Taxi fleet insurance premiums are influenced by the number and age of vehicles, the claims history of the fleet, the age and experience of drivers, the geographic area of operation, and the type of work carried out (airport transfers, school runs, general hire). Fleets with strong safety records, regular vehicle maintenance programmes, and driver monitoring systems typically attract better terms. Focus Insurance will present your fleet positively to specialist insurers.
All taxis and private hire vehicles must hold at minimum third-party insurance with hire and reward use. Most licensing authorities require comprehensive or third-party fire and theft cover, plus a minimum level of public liability insurance. Check your local licensing authority's requirements before arranging cover.
Yes. Many taxi fleet policies offer any-driver cover, which allows any licensed driver to operate any vehicle on the fleet. This is particularly useful for taxi businesses with multiple drivers sharing vehicles. Any-driver policies typically cost more than named-driver policies but reduce administration significantly.
Call us on 01733 263311 or request a call-back. Our brokers will discuss your fleet size, vehicle types, driver profile, and licensing requirements before approaching specialist taxi insurers on your behalf.
Cover is subject to underwriting, insurer terms and acceptance. Focus Insurance Services is authorised and regulated by the Financial Conduct Authority (FRN 717691).