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Taxi Insurance

Flexible cab cover: annual and short term taxi insurance from Acorn
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Flexible Taxi Insurance Cover to Suit Your Needs

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We have served countless public and private hire taxi drivers since our inception in 1982 and can help to provide you with extensive taxi driver insurance.

Whether you are looking for annual taxi insurance, short term taxi cover or you own a fleet, we have the taxi cover to suit your needs.

Acorn Insurance also specialises in helping those who may have previous claims, driving convictions, or points on their licence.

We have over 40 years experience as taxi insurers, and Acorn’s dedicated team have been working with UK taxi drivers throughout this period. We have made it our priority to understand what you both want, and need, from a taxi policy.

We operate a 24-hour claim line, ensuring we are here when you need us. Please call 0173 2747 100 and our friendly claims assistants will help you.

Which Geographical Areas Do Acorn Quote For?

Since our beginnings in 1982, Acorn have helped innumerable UK-based private and public hire taxi drivers, offering national coverage across the UK. Currently, we do not offer policies in Northern Ireland.

Been Refused Taxi Insurance Elsewhere?

If you have had motoring or criminal convictions, it is not unusual that you will be refused taxi cover by a lot of insurers. Acorn shine where other insurance companies shy away; we take all experience, history and circumstances into account when quoting for taxi insurance. So, do not be disheartened – see how Acorn can help with your taxi insurance cost by getting in touch today.

Please see below for the answers to our frequently asked questions.

Details Influencing Your Taxi Insurance Quote

It is important for taxi drivers to consider the following factors, as these may affect how much you could pay for your taxi policy:

 

  • How much do you want to pay for voluntary excess?
  • Do you have any additional qualifications or no claims bonuses that could help reduce your premium?
  • Where is your taxi kept when not in use?
As a specialist taxi insurance provider, we provide cover for all kinds of UK taxi drivers – from PCO insurance and minicab cover to black cab insurance.

✔  40 years of experience in the industry
✔  Excellent verified customer rating
✔  Unlimited mileage options
✔  24/7 UK accident & claims helpline
✔  Comprehensive; Third Party, Fire & Theft; or Third Party Only
✔  Glass windscreen cover
✔  Public liability insurance for £5m cover as standard on annual policies
✔  Legal cover is included with our annual taxi insurance quotes
✔  Specialist cover, even if you have got points on your licence

✔  Key Care — For lost, misplaced or stolen taxi keys (includes the cost to have locks replaced if required).
✔  Breakdown Cover — When your taxi has broken down you are losing money, our breakdown cover will get you back up and running in no time.
✔  Excess Protector — Can cover the cost of your excess in the event of a claim.
✔  Public Liability Cover — Can help cover expenses should you have an accident that affects a member of the public.

All of our taxi policies are subject to terms and conditions so please take the time to read our full terms and conditions before taking out a policy.

Do I need Taxi Insurance?

Taxi Insurance is a requirement if you’re using your vehicle for Public/Private Hire Usage (the carriage of passengers for hire & reward) Business use on a standard private car policy is not enough to use your car for Public/Private Hire use.

What is the difference between private hire and public hire insurance?

Private hire insurance – Caters to vehicles that require to be pre-booked in order to pick up passengers

Public hire insurance – Caters to vehicles available for immediate hire, this means they can be flagged down on the street or at a taxi rank, Public hire usage also covers private hire usage

Is taxi insurance more expensive than regular car insurance?

Taxi Insurance and Private Car Insurance have different rating factors based on risk. Taxi Insurance cost is usually higher for reasons such as increased mileage, and for the additional risk of carrying members of the public.

Do you insure taxi drivers with no previous experience?

To confirm if you meet our insurers’ underwriting criteria please get in touch with our friendly team today alternatively you can get a quote online.

What types of taxi vehicles do you insure?

We arrange insurance for a wide range of taxi vehicles. To confirm if you meet our insurers’ underwriting criteria please get in touch with our friendly team today, alternatively you can get a quote online.

What policy options are available to me?

We offer a wide range of policy options with varying cover levels and policy length. To confirm if you meet our insurers’ underwriting criteria please get in touch with our friendly team today, alternatively you can get a quote online.

Can I get immediate cover for driving my taxi?

Yes, providing you meet our insurers underwriting criteria we can incept policies with immediate effect.

Do your policies cover me for personal use?

Yes, all our taxi policies offer social and domestic cover as standard. This will enable you to drive your vehicle for personal use and gives the convenience of one policy covering your personal and professional needs.

Am I covered to drive other vehicles if I take out comprehensive insurance?

No, our taxi policies do not provide you with cover to drive other vehicles. 

Does my No Claims Bonus (NCB) transfer from my regular car policy to my taxi policy?

No, we’re unable to accept private car no claims bonus on your taxi policy.

Which policy is best for me?

The selection of policy will ultimately be your decision but our friendly team will assist in providing clarity and options available to make an informed choice.

What Excess will I pay in the event of an accident?

Your excess is based on your individual policy and there are different excesses that may apply such as compulsory and/or voluntary. Details of your policy excesses can be found in your policy schedule.

What payment options do you offer?

Our payment options vary dependant on policy length, we accept a one off payment in full for all policies or we have a finance option for annual policies. We also offer automated payment options for short-term policies to add to the ease of doing business with Acorn Insurance.

What is public liability taxi insurance?

Public liability insurance covers the cost of claims made by members of the public for incidents that occur in connection with your business activities

Can other family or friends drive my taxi under my policy?

All Acorn taxi insurance policies will cover the specifically named drivers. However, certain licensing authorities have restrictions around this and therefore guidance from your council should be obtained prior to any request.

Do you offer cover for fleets?

Acorn offers specialist fleet insurance for vehicles used for hire and reward. If you are searching for a taxi fleet policy, we offer a wide range of options. Visit our taxi fleet page for details, or contact our helpful taxi insurance team.

Does my breakdown cover start straight away?

Your breakdown cover policy will start at the agreed inception date and time, however any insured incident occurring within 48 hours following Your initial purchase of this policy will not be covered.

What To Do In The Event Of An Accident?

✔  Move to a safe place
✔  Call the emergency services
✔  Never admit liability at the scene
✔  Exchange contact details
✔  Take photos of the scene if safe to do so
✔  Take note of registration, make and model of all cars involved
✔  Call our friendly claims agents on 0173 2747 100

Always remember, a taxi cab can be repaired or replaced, so protect yourself and any passengers above any personal items and your vehicle.

What is the Best Way to Get a Taxi Quote?

First and foremost, you must go through the process of getting your taxi licence. You can find all the information you need via the taxi driver licence page on the gov.uk website.

For the next step, when you are in possession of your taxi driving licence, you will need to decide whether you will need long- or short-term cab cover. Then, you will need the appropriate taxi insurance for your requirements, depending on what type of cab driver you are going to be. Getting the right insurance quote for your taxi could help save you some well-earned cash, and secure you the correct cover.

We offer online taxi cover for your convenience. To get a no-obligation taxi insurance quote, simply click this link now for full access to a taxi quote, or buy online today.

Taxi Quotes – made easy by Acorn Insurance.

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