Black Cab Insurance

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Why Compare Black Cab Insurance Quotes With SimplyQuote?

SimplyQuote understands the stress and hassle of comparing multiple taxi insurance quotes for your black cab. Luckily, the 100% free, online comparison tool simplifies the process with the click of a button.

Whether you’re a black cab driver in London or drive a black cab elsewhere in the country, SimplyQuote promises the best insurance deal for you!

Compare numerous black cab insurance quotes from top UK insurance providers within minutes. Sit back and relax while you benefit from cost savings on your monthly premiums.

What Do You Need To Get A Quote?

A few things you’ll need for a black cab insurance quote include:

  • Vehicle registration number
  • Name in which the vehicle is registered in
  • Vehicle size (i.e. how many seats/doors)
  • Vehicle make and model (including any modifications made)
  • No-claims bonus history

Why Do You Need Black Cab Insurance?

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What Are The Types Of Black Cab Insurance Policies?

There are three main types of black car insurance available in the UK namely, sole driver, named driver and ‘any driver’ policies:

Sole driver

Only the owner can drive the taxi (i.e. one driver)

Named driver

Persons named on the policy can drive the vehicle

‘Any driver’ policy

Any employed taxi driver can drive the vehicle, commonly used for PCO or private hire companies

What Levels Of Black Cab Insurance Cover Can You Get?

The levels of black cab insurance cover available include:

Third-party only (TPO)

TPO cover is the minimum level of cover required to drive legally on UK roads. It’s also the cheapest taxi vehicle insurance as it only covers damage or injury costs to third-party persons or vehicles.

It does not cover medical or repair expenses to you (i.e. the cab driver) or your vehicle.

Third-party, fire and theft (TPFT)

TPFT covers a bit more than standard TPO and will compensate you if your black cab vehicle is stolen or damaged by fire. It won’t, however, cover any repair costs should your vehicle be in an accident.

Fully comprehensive

Fully comprehensive cover is the most expensive level of black cab insurance.

What Does Black Cab Insurance Cover

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What Optional Black Cab Insurance Add-Ons Are Available?

There are several bolt-ons you can add to your black cab insurance policy:


Breakdown and roadside recovery

The life of a cabbie can be stressful, especially if any unexpected breakdown should occur. Breakdown insurance covers the cost of roadside assistance and/or towing services in these events.

Vehicle replacement

If your cab has broken down, or if it’s in for repairs following a collision, your insurer will arrange a replacement vehicle to ensure business continuity.

Home start recovery

Home start recovery covers you if your taxi won’t start and you’re unable to work. You will need to provide sufficient evidence of this – such as a mechanic report – to your chosen insurer.

Windscreen cover

Additional windscreen cover options are available for TPO and TPFT black cab insurance plans. It covers the costs to repair or replace damaged/broken windscreens.

Generally, cover for windscreens is included in a fully comprehensive taxi insurance policy.

SimplyQuote is all about making black cab insurance easy and affordable

How Much Does Black Cab Insurance Cost?

The price of black cab insurance can start from as little as £13.25 per week but depends on factors such as cab drivers’ age, vehicle make and model and UK location.

Cabbies tend to rack up higher mileage and operate at unfavourable times (e.g. early mornings/late nights) when compared to personal vehicles. This puts you/your drivers at a higher risk of accidents, driving up your insurance premiums.

What impacts black cab insurance prices?

  • Taxi driver age
  • Vehicle make and model
  • Mileage
  • Claims history
  • Licence points
  • The area where you drive and park overnight

How Can You Get Cheaper Black Cab Insurance Rates?

How To Compare Black Cab Insurance Quotes with SimplyQuote?

Compare black cab taxi insurance services with SimplyQuote in four easy steps:

  1. Fill in the short form: Tell us about yourself, your vehicle, and your location.
  2. Choose policy add-ons: Choose which additional cover add-ons you want.
  3. Compare quotes: Find a quote to suit your budget and taxi insurance needs.
  4. Save money: Get the best deal to start saving today.
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Frequently Asked Questions

What is black cab insurance?

Black cab insurance is specifically designed to cover black cab drivers who operate “hailing” taxi services. If you pick up passengers who have flagged you down – without pre-booked bookings like Uber – you will need black cab insurance. Black cab insurance also goes by public hire taxi insurance.

What black cab insurance policy is best to go for?

YA fully comprehensive cab insurance policy is best to go for as it covers damage, repair and legal expenses regardless if it was your fault or not.

Should I opt for black cab insurance or private hire insurance?

Black cabs are metered taxis hailed by passengers on the street. For these, you need to take out public hire taxi insurance (i.e. black cab insurance). On the flip side, if you use a black cab for private, pre-scheduled pickups you’ll need private hire insurance.