Freeway Taxi Insurance
Freeway Taxi Insurance Quotes
Compare a specialist taxi insurer against the wider market.
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Who Are Freeway Insurance?
Freeway Insurance is a specialist UK taxi and private hire insurer that has been arranging cover for drivers for over 20 years.
The company operates under several brand names including Freeway, Zipzaz, and FWTAXI. They work with a panel of underwriters to offer policies for private hire, hackney carriage, and fleet operators across the UK.
Freeway covers drivers working through apps like Uber and Bolt, as well as those operating through local booking offices. They are authorised and regulated by the Financial Conduct Authority.
Standard car insurance does not cover hire-and-reward work. Freeway specialises in the specialist cover that taxi and private hire drivers are legally required to hold.
How To Compare Freeway Taxi Insurance Quotes
Comparing Freeway quotes against other specialist taxi insurers helps you find the best price for the cover you need.
Enter your details
Provide your badge type, vehicle registration, age, and driving history.
Choose your cover level
Select third-party only, third-party fire and theft, or comprehensive cover.
Compare results
Review Freeway's quote alongside other specialist taxi insurance providers. Check the excess, add-ons, and any restrictions before you buy.
Buy your policy
Choose the policy that fits your needs and complete your purchase online or over the phone.
What Does Freeway Taxi Insurance Cover?
A Freeway policy provides hire-and-reward motor insurance that covers you to carry passengers for payment.
Hire and reward cover
This is the core of any taxi policy. Hire-and-reward cover meets the legal requirement under the Road Traffic Act 1988 for anyone carrying passengers for payment.
Public liability
You can add public liability insurance to protect against claims from passengers or members of the public who are injured or suffer property damage because of your work.
Windscreen and personal belongings
Comprehensive policies from Freeway typically include windscreen cover, plus protection for personal belongings left in the vehicle.
If a stone chip or crack means you need a full windscreen replacement, Freeway handles the claim directly through their approved repairers.
Breakdown cover
Freeway offers RAC breakdown cover as an optional add-on. This includes roadside assistance, recovery, and onward travel if your vehicle cannot be repaired at the scene.
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What Levels Of Cover Does Freeway Taxi Insurance Offer?
Freeway offers three standard levels of taxi insurance, each providing a different amount of protection.
| Cover level | What it includes | Best for |
| Third-party only (TPO) | Covers damage or injury you cause to other people, their vehicles, and their property | Drivers who want the legal minimum cover at the lowest cost |
| Third-party, fire and theft (TPFT) | Everything in TPO plus cover if your vehicle is stolen or damaged by fire | Drivers parking on the street or in areas with higher theft risk |
| Comprehensive | Everything in TPFT plus damage to your own vehicle from accidents, vandalism, and weather | Most taxi drivers, especially those financing a vehicle |
What Types Of Taxi Insurance Does Freeway Cover?
Beyond the cover level, a Freeway policy is set by the badge your local council has licensed you to work under.
Private hire cover
Freeway's private hire policies cover pre-booked work through apps and booking offices. You must hold a valid private hire licence from your local council.
Public hire (hackney carriage) cover
Public hire insurance covers licensed hackney carriages that can pick up passengers from ranks or be hailed on the street. Premiums are typically higher than private hire because of the increased risk.
What Optional Extras Does Freeway Taxi Insurance Include?
Freeway offers several add-ons that you can bolt onto your base policy for extra protection.
No-claims bonus protection
This add-on protects your no-claims discount if you need to make a claim. After five claim-free years you could save 60-65% on your base premium, so protecting that discount is worth considering.
24/7 claims line
Freeway runs a round-the-clock claims line so you can report an incident at any time. This is useful for drivers working late-night or early-morning shifts.
Employers' liability
If you employ other drivers or office staff, employers' liability insurance is a legal requirement. The minimum cover is £5 million, and most insurers offer £10 million as standard.
How Much Does Freeway Taxi Insurance Cost?
Freeway taxi insurance typically costs between £1,400 and £3,000 per year, depending on your driving history, vehicle, and cover level.
| Driver profile | Typical annual cost |
| Experienced private hire driver, age 40+, full NCD | £1,400–£1,800 |
| New badge holder, age 25–30, no taxi NCD | £2,200–£3,000 |
| Uber or Bolt driver, 1–2 years taxi history | £1,800–£2,500 |
| Hackney carriage driver | £2,000–£4,500 |
A 35-year-old private hire driver in Leeds with a 2019 Toyota Prius, a clean licence, and three years of no-claims history would pay around £1,900 per year for comprehensive cover through Freeway.
Paying monthly instead of annually adds a markup of 8–11%, bringing the total to £2,052–£2,109.
Switching from comprehensive to third-party only would save around £200–£400, but leaves the driver exposed to their own repair costs after an accident.
How Freeway compares on price
Freeway's rates sit in line with most specialist taxi insurers. Comparing against other providers such as Towergate and other panel insurers through a comparison tool is the best way to check whether Freeway offers the most competitive quote for your profile.
For a full breakdown of UK taxi insurance pricing, read our guide on how much taxi insurance costs.
What Affects Your Freeway Taxi Insurance Premium?
Several factors influence the quote you receive from Freeway, many of which are the same across all specialist taxi insurers.
Your age and experience
Freeway insures drivers aged 21 to 75. Younger drivers and those new to taxi work typically pay more until they build up a claims-free record.
Your vehicle
Popular taxi cars like the Toyota Prius, Skoda Octavia, and Volkswagen Passat sit in lower insurance groups. Modified vehicles or higher-performance cars attract higher premiums.
Your driving record
Points, convictions, and previous claims push premiums up. A clean licence with several years of no-claims history gives you the strongest position.
Your badge type and operating area
Black cab and hackney carriage drivers pay more than minicab or private hire drivers. Premiums also vary by region, with city-centre drivers in places like Birmingham paying more than those in rural areas.
Annual mileage
Full-time drivers covering 30,000–50,000 miles a year pay more than part-time drivers. Accurate mileage estimates help keep your premium fair.
Drivers under 25 often face the steepest premiums. Once you pass 30 with two or three claim-free years, quotes drop noticeably.
How To Save Money On Freeway Taxi Insurance
Small changes to how you buy and manage your policy can reduce your annual cost.
Compare quotes from multiple insurers
Freeway is one of several specialist taxi insurers in the UK. Comparing at least three or four quotes helps you spot whether Freeway's price is the best available for your profile.
Pay annually
Paying your premium in one lump sum avoids the monthly instalment markup, which typically adds 8–11% to the total cost.
Install a telematics device
A telematics policy tracks your driving behaviour and rewards safe driving with lower premiums at renewal.
Increase your voluntary excess
Raising the amount you pay towards a claim lowers your premium. Set the excess at a level you could comfortably afford if you needed to claim.
Build your no-claims discount
Each claim-free year earns a discount. The Association of British Insurers notes that no-claims discounts can reach 60–65% after five years.
Bundle multiple vehicles
If you run more than one taxi, a taxi fleet policy covers them under one agreement and can work out cheaper than separate individual policies.
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Frequently Asked Questions
Yes, Freeway Insurance operates under several brand names including Zipzaz, FWTAXI, and Stan The Van Man. They are all part of the same company.
Freeway insures taxi drivers aged 21 to 75. You must also hold a valid public hire or private hire badge from your local licensing authority.
Yes, Freeway can arrange fleet policies for operators running multiple vehicles. This covers all your taxis under one agreement with a single renewal date.
Yes, Freeway covers drivers working through ride-hailing apps including Uber and Bolt. Make sure your policy names every platform you drive for.
Private hire insurance covers pre-booked work through apps or booking offices. Public hire covers hackney carriages that can be flagged down or pick up from ranks.
Not by default. If you deliver food alongside passenger work, you need a combined hire-and-reward policy or separate courier cover.
Chauffeur insurance covers executive and luxury vehicle work and is typically arranged as a separate policy. Ask Freeway whether your policy can be extended to include chauffeur bookings.
Yes, Freeway offers RAC breakdown cover as an optional add-on. This includes roadside assistance, vehicle recovery, and onward travel.
Yes, Freeway provides an online portal where you can view your policy documents, report claims, and manage your account details.
Freeway is one of several specialist taxi insurers in the UK. Comparing quotes from Freeway alongside other providers helps you find the best price for your cover level and driving profile.
