Types of Taxi Insurance Cover

Third party

Third party insurance is the lowest level of cover you can get to legally drive a taxi. It will provide cover for any third parties if you’re involved in a collision that you’re liable for.

Third party, fire & theft

This is the same as third party cover but also provides cover for damage caused by fire as well as theft of your vehicle. This is a very good option if you want to keep the cost of your taxi insurance to a minimum but want more protection than a third party only policy.


Comprehensive insurance will provide cover for all types of collisions, even those that you (or your drivers) are liable for. It’s the best option if you want maximum protection.

Public liability

When you transport members of the public for reward you must always be weary of liability claims. Therefore public liability insurance is a must for any type of taxi driver, whether you drive a public or private hire taxi. Public liability insurance will protect you against liability claims from passengers and members of the public.

Breakdown assistance

Breakdown assistance is also available with taxi insurance. You might already have breakdown assistance but you could save money by having it added to your policy so it’s always worth checking what the extra cost would be.