Towergate Taxi Insurance
Towergate Taxi Insurance Quotes
Compare a specialist taxi insurer against the wider market.
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Who Are Towergate Insurance?
Towergate Insurance is one of the UK’s largest specialist insurance brokers, founded in 1997 and now part of The Ardonagh Group.
The company has acquired more than 300 brokers and issues over 200 tailored policy types across motor, property, business and lifestyle cover. Standard car insurance does not cover hire-and-reward work, so taxi insurance from a specialist like Towergate is a legal requirement for anyone carrying passengers for a fare.
Towergate holds a 3.5 out of 5 rating on Trustpilot from 1,800+ reviews and a 4.6 out of 5 on Feefo from over 33,000 reviews.
The company employs around 1,300 staff and has issued more than 58 million policies across its product range.
How To Compare Towergate Taxi Insurance Quotes
Comparing quotes takes a few minutes and can save you hundreds of pounds a year.
Enter your details
Provide your age, licence history, vehicle type and the area you drive in.
Choose your cover level
Pick from third-party only, third-party fire and theft, or comprehensive.
Review your results
Results appear side by side so you can compare Towergate against other specialist private hire and public hire insurers on price, cover and excess.
Buy your policy
All quotes come from insurers authorised by the Financial Conduct Authority, so you know the cover is genuine.
What Does Towergate Taxi Insurance Cover?
Towergate’s taxi policies cover drivers for hire-and-reward work, third-party liability and passenger injury.
Hire-and-reward cover
Every Towergate taxi policy includes hire-and-reward cover, which is the legal basis for carrying paying passengers. Without it, a standard motor policy is void the moment you accept a fare.
Passenger liability
Passenger liability pays out if a fare is injured during a journey. It is included as standard on all Towergate taxi policies.
Public liability
Most licensing authorities recommend public liability insurance for taxi drivers, and some councils require it. Towergate typically offers it as an add-on with cover starting at £5 million.
Windscreen and glass
Windscreen cover pays for chip repairs or full replacements without affecting your no-claims discount. It is included on comprehensive policies.
Accidental damage
Comprehensive policies also cover accidental damage to your own vehicle, whether that is a collision, a pothole or a reversing scrape in a car park.
Personal injury cover
Comprehensive policies can include personal injury benefits that pay a lump sum if you are seriously hurt in an accident and cannot work.
What Levels Of Cover Does Towergate Taxi Insurance Offer?
The Road Traffic Act 1988 requires a minimum of third-party cover for any vehicle used on public roads. Towergate offers three levels above that baseline.
| Level | What It Covers | Best For |
| Third-party only (TPO) | Damage or injury you cause to others; your own vehicle is not covered | Drivers on a tight budget or with older vehicles |
| Third-party, fire and theft (TPFT) | Everything in TPO plus fire damage and theft of your vehicle | Mid-range vehicles where replacement cost matters |
| Comprehensive | Everything in TPFT plus accidental damage to your own vehicle, windscreen and personal injury | Newer or higher-value taxis and drivers who want full protection |
What Optional Extras Does Towergate Taxi Insurance Include?
Towergate lets you bolt on extras so your policy matches the way you actually work.
Courtesy vehicle
A replacement vehicle keeps you earning while your taxi is being repaired after an accident.
Breakdown and home-start recovery
Roadside assistance covers you anywhere in the UK, including call-outs when your vehicle will not start at home.
Key cover
Pays to replace lost or stolen keys and any locksmith charges. This is worth considering if your vehicle uses a proximity fob.
Personal-use extension
Covers you for social, domestic and pleasure driving outside working hours so you do not need a second policy.
Legal expenses
Covers solicitor fees if you need to pursue an uninsured driver or defend a claim brought against you.
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How Much Does Towergate Taxi Insurance Cost?
Towergate taxi insurance typically costs between £1,400 and £4,500 a year depending on your vehicle, licence type and claims history. For a full breakdown of what drives the price, see our guide to how much taxi insurance costs.
| Driver Profile | Typical Annual Range |
| Experienced private hire driver (3+ years, clean licence) | £1,400–£1,800 |
| New badge holder (under 1 year) | £2,200–£3,000 |
| Hackney carriage driver | £2,000–£4,500 |
| Chauffeur or executive hire | £1,800–£2,600 |
A 38-year-old private hire driver in Manchester with a 2020 Toyota Corolla, clean licence and four years’ no-claims discount could expect to pay around £1,650 a year for comprehensive cover.
Paying monthly instead of annually typically adds 8–11% to the total cost, which on a £1,650 policy means an extra £132–£182 over the year.
What Affects Your Towergate Taxi Insurance Premium?
Towergate’s underwriters weigh a mix of personal, vehicle and work-pattern factors when setting your premium.
Driver age and experience
Towergate requires drivers to be at least 25, though specialist policies are available from age 21. Younger drivers and those with fewer than two years on a taxi licence typically pay more.
Claims and conviction history
Any fault claims or driving convictions in the past five years will push your premium up. A clean record with three or more years of no-claims discount brings it down.
Operating area
Drivers working in city centres with higher accident and theft rates pay more than those in rural areas. Birmingham taxi insurance premiums, for example, tend to sit above the national average.
Annual mileage
Higher mileage means more time on the road and a greater chance of a claim. Drivers who cover fewer than 20,000 miles a year usually pay less than those doing 40,000+.
Licence type
Whether you hold a PCO licence or a local-authority hackney badge affects which underwriters will quote and at what price.
How To Save Money On Towergate Taxi Insurance
Small changes to how you set up your policy or secure your vehicle can cut your premium by hundreds of pounds.
Pay annually
Monthly instalments add 8–11% to the total cost. Paying upfront removes that markup entirely.
Increase your voluntary excess
Raising the amount you agree to pay towards a claim signals lower risk to the underwriter and usually lowers your premium.
Fit approved security
A Thatcham-approved alarm, immobiliser and dashcam can earn a discount. Some insurers also reduce premiums for drivers who fit a telematics device that monitors driving behaviour.
Build your no-claims discount
Each claim-free year brings your premium down. Towergate offers NCD protection as an add-on so a single claim does not wipe out years of savings.
Compare before you renew
Towergate’s renewal quote is rarely the cheapest option. Comparing against insurers like Freeway and other specialist providers through SimplyQuote takes minutes and often uncovers a better deal.
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Compare Towergate taxi insurance quotes from UK insurers in minutes.
Frequently Asked Questions
Towergate’s standard policies require drivers to be at least 25. Specialist policies are available from age 21, but premiums are typically higher for younger drivers.
Yes. Towergate offers taxi fleet insurance for five or more vehicles, covering saloons, people carriers, minibuses and coaches under a single policy.
Fleet policies include employers’ liability insurance as standard if you employ drivers. The legal minimum is £5 million, and most Towergate policies offer £10 million.
Towergate covers saloons, hatchbacks, people carriers, minibuses, coaches and purpose-built hackney carriages. Prestige vehicles used for executive hire are also covered under chauffeur policies.
Towergate can provide cover for Uber drivers who hold a valid private hire licence. You need a policy that covers hire-and-reward work, not just social and commuting use.
Yes. Public hire covers hackney carriages that pick up from ranks or are hailed on the street, while private hire covers pre-booked journeys through an app or operator.
Towergate offers standalone chauffeur insurance for executive and prestige vehicles. It includes passenger liability but does not cover public hire work.
Towergate has a 24-hour claims line. Call as soon as possible after an incident with your policy number, details of the accident and any third-party information.
Yes, Towergate is authorised and regulated by the Financial Conduct Authority. You can verify this on the Association of British Insurers register or the regulator’s own financial services register.
Not by default. If you deliver food alongside passenger work, you need a combined hire-and-reward policy or separate courier cover.
