Minicab Insurance

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Why Compare Cheap Minicab Insurance Quotes With SimplyQuote?

SimplyQuote understands comparing multiple minicab insurance quotes can be time-consuming, overwhelming and stressful.

That’s why the free online comparison tool is designed to simplify the process in a few easy steps.

Quickly compare numerous minicab insurance quotes from first-rate UK insurers and start benefiting from cost savings today!

Switch to a new minicab insurance provider the easy way.

What Do You Need To Get A Quote?

A few things you need to get a minicab 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 Minicab Insurance?

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What Levels Of Minicab Insurance Can You Get?

There are three main levels of cover when it comes to taxi insurance:


Third-party only (TPO)

TPO is the minimum level of cover needed to drive on UK roads. It’s also the cheapest level of minicab cover.

It covers injury or damages to third-party persons/vehicles in the event of an accident.

Note: It does not cover expenses for your minicab vehicle(s).

Third-party, fire and theft (TPFT)

TPFT covers everything TPO covers including the compensation if your minicab is damaged by fire or stolen.

Note: TPFT does not cover repair costs if your vehicle is in an accident.

Fully comprehensive

Fully comprehensive cover is generally the most expensive level of minicab insurance. It includes TPO and TPFT cover in addition to other benefits:

  • Vehicle repair costs
  • Repair or replacement of broken/damaged windscreens
  • Up to £5,000 of personal injury cover for the vehicle driver
  • Medical expenses
  • Personal belongings cover
  • Incorrect fuel usage cover
  • Key replacement

What Does Minicab Insurance Cover?

How Much Does Minicab Insurance Cost?

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What Are The Optional Minicab Insurance Add-Ons Available?

How To Get Cheaper Minicab Insurance Rates?

There are many ways you can reduce your minicab insurance premiums, such as:

Choosing your car carefully

The type of vehicle you have impacts the price you pay for insurance.

Whilst driving a high-end vehicle can seem attractive, you may find more reasonable insurance quotes – and cheaper running costs – for moderate, yet reliable, minicabs.

On the flip side, older vehicles tend to cause more trouble. It’s all about striking the right balance between vehicle reliability and cost savings.

Shop around

Compare taxi insurance quotes from a wide range of UK insurance providers.

Quickly compare, switch and save on your minicab premiums when using SimplyQuote’s user-friendly online comparison tool.

Avoid automatic renewals

Rollover tariffs are the most expensive and many insurers roll your policy over when you haven’t confirmed or negotiated a new insurance deal.

Switch insurance providers before your policy comes to an end to avoid this from happening. Comparing quotes allows you to see what other insurance policies are available.

Secure your minicab

Busy streets with traffic and pedestrians bring potential risks of car thefts or break-ins and road accidents. Minicab drivers who live in remote areas or quieter towns and villages will probably find they have cheaper premiums compared to London-based drivers.

Wherever you live, you can influence the premiums you are offered by ensuring you have access to off-road parking in a safe and secure area, for example, on your private driveway.

Adjusting your payment terms

Insurance providers will offer better deals for cover paid annually rather than monthly. Whilst this means you will need to pay your entire policy upfront, it could reduce your bill by hundreds of pounds throughout the year.

How To Compare Minicab Insurance Quotes with SimplyQuote?

Compare minicab insurance quotes 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’s the difference between private hire insurance and public hire taxi insurance?

While both types of insurance essentially cover the same thing, there are slight differences:

  • Private hire is when taxi services (i.e. minicabs) are booked in advance through ride-hailing cab apps (e.g. Uber, Bolt) or booked through a hotel concierge.
  • Public hire taxi insurance applies to taxis being flagged down on the street, like black cabs in Birmingham.
What insurance policy is best for minicab taxi drivers?

A fully comprehensive minicab insurance policy is best for UK taxi drivers. It covers third-party claims and repair costs should your vehicle be in an accident.

What is PCO insurance?

PCO taxi insurance is another name for private hire insurance. It provides cover for taxi drivers who operate on pre-booked taxi services.