Call Me Now

Online Quote

Simply complete the details below to receive your insurance quote.

Call 0333 003 0059 Included free in call plans

cl1 cl2 cl3 cl4  cl6 cl7 cl8 cl9Zurich_Insurance_Group_logo_SMALL

Buyer’s Guide – Black Cab Insurance

 

Unlike the majority of motorists, your vehicle is your livelihood so it’s essential that you and your vehicle are fully insured and protected against risks you face as a professional driver.

Who needs Black Cab policy?

A Black Cab cover is essential for any Taxi Driver, most commonly driving a traditional London, or Hackney Carriage Cab.

Having a Motor Insurance Policy is a legal requirement by UK law, so any driver needs one.

However, if you drive passengers for a profit, then you will need a Professional Drivers Insurance Policy, or more specifically, a Black Cab Insurance Policy that covers you for carrying passengers for the purposes of hire and reward.

 

What does a Black Cab policy do?

Taxi Insurance protects you against any risks you face as a Cab driver.

Most often, Cab driving is at unsociable hours mainly in busy inner-city areas where you are statistically more likely to have an accident.

Cab drivers also cover more miles than the average motorist – and because of this you are at a higher chance of having an accident whilst on the job.

 

Because of these extra risks that you face, it is important that you find the right insurance policy to meet your needs –and these can vary greatly.

Policies can differ in many ways including:

  • Age of drivers covered, with a minimum driver age commonly of 25
  • Capped amount of miles driven in a year
  • Maximum amount of hours driving each day
  • Regional Policies – excluding certain cities from your cover, often Northern Ireland.

 

Insurance can also vary according to who drives the car:

  • A Named Driver policy 
    Allows a number of specifically named people to drive the vehicle which may be beneficial if you have a few drivers or your cab is also your family car.
  • Any Driver policy
    Allows anyone in your employment to drive your car which is the most common choice for taxi companies who have a large number of drivers.
  • Sole Driver Polices
    The most common for London Black Cab Insurance where only the owner can drive the car.

 

What Cover does a Black Cab policy provide?

There are many types of Insurance that you may need as a Cab driver depending on your business. The main types of cover include:

  • Breakdown and Roadside Recovery
    To get your vehicle started again if you break down road side.
    Cover can also arrange onward transportation for any passengers you have in the vehicle.
  • Home Start Recovery
    Assistance at your home if you taxi won’t start and are unable to start work.
  • Public Liability
    Despite your cab not being a typical building or office, it is still your place of work and you are liable for anyone in your cab.
    PL Insurance will provide cover should a customer have an injury or damage their property in your cab where you are at fault.
  • Employers Liability
    EL Insurance is a legal requirement by UK law if you employ any staff in the UK even if they only work on a part time voluntary basis.
    This provides cover should an employee have an accident as a direct result of working for you.
    Over a quarter of all Road Accidents last year involved drivers when at work so cover is essential if you have any employees.

 

If you run a large Cab firm and have a central hub for your drivers or an office where the main switch board is then you will need further cover for this, including:

  • Buildings Insurance
    This will insure any damage done to the physical property. It can also provide you with additional premises should your building be uninhabitable due to an insured accident.
  • Contents Insurance
    To cover the cost of theft or damage to your buildings contents such as furnishing, computers of even money left in a till.
  • Cyber or Data Protection Insurance
    Any record you keep of clients details online can be subject to a cyber breach and be stolen. You as a business owner can be held responsible for this.
    Cyber Insurance can pay for any compensation you may have to pay as well as helping to re install security software that may have been targeted.

 

If you have any questions about a Black Cab insurance quotation, call one of our specialist advisers on 0800 542 2743  for more information and your personalised range of Black Cab Cover Comparison Quotes.

  • "Anna was very slick and professional in dealing with my purchase of cab insuranc (...)"

    Black Cab Insurance Review

    7 days ago read more

  • "Very responsive to messages and queries in a helpful way. (...)"

    Black Cab Insurance Review

    3 weeks ago read more

  • "The initiation of follow up contact was, of a proffesion & personable nature. t (...)"

    Black Cab Insurance Review

    3 weeks ago read more

  • "Great price and service"

    Black Cab Insurance Review

    3 weeks ago read more

  • "I thought i was informed about all i needed to know and satisfied the way they c (...)"

    Black Cab Insurance Review

    4 weeks ago read more

  • "Anna found me the best deal. i would recommend plan insurance. (...)"

    Black Cab Insurance Review

    1 month ago read more

  • "Aa"

    Black Cab Insurance Review

    1 month ago read more

  • "Yes"

    Black Cab Insurance Review

    1 month ago read more

  • "Nice easy process. matt worked hard to get a great price and hope he can do the (...)"

    Black Cab Insurance Review

    1 month ago read more

  • "Anna,who is dealing with black cab london trade was very polite,knowledgeable,an (...)"

    Black Cab Insurance Review

    1 month ago read more

  • "They are very friendly and polite and i would use them again them (...)"

    Black Cab Insurance Review

    1 month ago read more

  • "Called me back initially but arranged a call back to purchase and then i had to (...)"

    Black Cab Insurance Review

    2 months ago read more

  • "I found the team at plan to be be very helpful and professional throughout.

    Black Cab Insurance Review

    2 months ago read more

  • "Yes they are very good"

    Black Cab Insurance Review

    2 months ago read more

  • "Very helpful and knowledgeable about black cabs"

    Black Cab Insurance Review

    2 months ago read more

  • "Helpful, polite and very professional"

    Black Cab Insurance Review

    2 months ago read more

  • "Excellent company representative anna. she was positives& upbeat on every occasi (...)"

    Black Cab Insurance Review

    2 months ago read more

  • "Pleasant , knowledgeable and efficient"

    Black Cab Insurance Review

    2 months ago read more

  • "Very good"

    Black Cab Insurance Review

    1 week ago read more

  • "Very helpful and polite!!"

    Black Cab Insurance Review

    2 weeks ago read more

  • "Competitive rate and superb customer service"

    Black Cab Insurance Review

    2 weeks ago read more

  • "I all really recommended my friend faysal ali
    and he will have insurance f (...)"

    Black Cab Insurance Review

    2 weeks ago read more

  • "Very clear and thorough instructions, also very friendly staff😃 (...)"

    Black Cab Insurance Review

    2 weeks ago read more

  • "Fast and efficient"

    Black Cab Insurance Review

    2 weeks ago read more

  • "They were helpful and efficient. yes i would recommend them. (...)"

    Black Cab Insurance Review

    3 weeks ago read more

  • "Efficient"

    Black Cab Insurance Review

    4 weeks ago read more

  • "Really helpful been with you years"

    Black Cab Insurance Review

    4 weeks ago read more

  • "Very professional, competitive price & good service (...)"

    Black Cab Insurance Review

    4 weeks ago read more

  • "Very professional"

    Black Cab Insurance Review

    1 month ago read more

  • "Good service"

    Black Cab Insurance Review

    1 month ago read more

  • "Yes while comparing other insurance companies"

    Black Cab Insurance Review

    1 month ago read more

  • "Great service"

    Black Cab Insurance Review

    1 month ago read more

  • "Easy from start to finish"

    Black Cab Insurance Review

    2 months ago read more

  • "Quick service"

    Black Cab Insurance Review

    2 months ago read more

  • "They we very competitive and came back with a better price than cabsurance (...)"

    Black Cab Insurance Review

    2 months ago read more

  • "Did what it says on the tin."

    Black Cab Insurance Review

    2 months ago read more

  • "I would definitely use plan again"

    Black Cab Insurance Review

    2 months ago read more

  • "Good."

    Black Cab Insurance Review

    2 months ago read more

  • "Very good service"

    Black Cab Insurance Review

    2 months ago read more

  • "Pleasant, knowledgeable, friendly staff.
    fast, easy transaction.
    good (...)"

    Black Cab Insurance Review

    2 months ago read more

  • "They were very good when i actually got through to them but it took two days bef (...)"

    Black Cab Insurance Review

    2 months ago read more

  • "Good service. competitive prices."

    Black Cab Insurance Review

    2 months ago read more

  • "Helpful and polite"

    Black Cab Insurance Review

    2 months ago read more

feefo logo

Plan Insurance Brokers: Rated 4.8/5 based on 897 customer reviews in the last 12 months.

See our reviews here

to top