Taxi Insurance

Flexible cab cover: annual and short term taxi insurance from Acorn

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.

With over 40 years as taxi cab insurers, our dedicated taxi team has long-standing relationships with a vast array of UK taxi insurance brokers. Between them, they understand what you both want and need from a taxi policy.

We operate a 24-hour UK-based claim line, ensuring we are here when you need us. Please call 0330 331 0716 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 abnormal 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. We start with the basic level of cover and allow you to build up your policy from there. This means you are only spending on what you require or what you are concerned about. So, you only pay for the cover you actually need and will not waste money on extras you may not necessarily want.

✔ 40 years of experience in the industry
✔ UK-based taxi insurers
✔ 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 as standard on annual policies
✔ 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.
  Legal Cover – This is included with our annual taxi insurance quotes.
  Excess Protector *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?

If you plan to drive a vehicle for hire & reward, whether this be private hire, minicab or public hire, you will need a specific taxi insurance policy. Additional business use on a standard private car policy will not give you the cover that taxi driver insurance does.

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

Private hire or minicab work only on a pre-booked basis and cannot be flagged down on the street or at a taxi rank. Public hire or Hackney carriage vehicles operate within a specific licensed jurisdiction and have the ability to pick fares up off the street or at taxi ranks, as agreed with the local council.

Is taxi insurance more expensive than regular car insurance?

Usually, yes – taxi insurance cost is generally higher because taxis tend to be on the road more than private cars. Also, you need to be protected for more eventualities which have more potential to involve the public. Also, potentially, taxis are on the road during peak times and are hired during periods of adverse weather.

Do you insure taxi drivers with no previous experience?

We pride ourselves on considering all potential taxi drivers, so get in touch with our friendly team today to discuss your individual case. We consider all eventualities and offer a range of products to suit a majority of individual needs.

What types of taxi vehicles do you insure?

We insure taxis of all kinds, from regular saloon cars or hatchbacks, to larger vehicles and minibus taxis. Contact our friendly team to discuss which policy will suit your needs best.

What policy options are available to me?

We have multiple options available in terms of cover levels – Comprehensive; Third Party, Fire & Theft; and Third Party Only. We also offer multiple policy terms: Annual, six months, 90-day, 30-day, 7-day Insurance options, providing an array of choice to suit all customer needs. Please visit our short-term taxi insurance web page for more information on these policy terms.

Can I get immediate cover for driving my taxi?

We offer an extremely efficient service that can get you on the road immediately – you will be in receipt of your documents minutes after finalising your agreement. Call 01704 33 99 22 now to discuss this with our taxi team.

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?

Our usual taxi insurance does not cover this eventuality. However, we do have other product offerings that can assist in this circumstance.

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

The No Claims Bonus for your regular car reflects a different scenario and adherence to regulations to that of driving a taxi. Therefore, the NCB for your regular vehicle is unfortunately not transferable to your taxi policy. However, your overall driving experience and other related factors will assist in obtaining a cheaper premium.

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?

We have multiple options available in terms of excesses. These options will be presented to you, for you to then select the excess that suits your needs.

What payment options do you offer?

We have flexible finance options as well as multiple policy terms to suit majority of requirements. Payments can be accepted by card, cash, BACS and direct debit. We also have multiple automated payment options including our Acorn App (available on Google Play or the App Store), these services add to the ease of doing business with Acorn insurance.

What is public liability taxi insurance?

Public liability is additional protection for yourself and customers. This is included as standard in some of our offerings but can also be purchased as an optional extra. Public liability cover protects you and your business from any unforeseen circumstances involving passengers in your care. Visit our public liability insurance page for more information.

Do I need a DVSA qualification to get cover?

Your requirement for licencing will be specific to your use and operating area. We suggest you seek guidance from your local council to ensure you hold the correct qualification.

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 will start 24 hours after the inception of the policy.

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 assistants on 0330 107 0541

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 short-term or long-term cab cover. It is always best to speak to us in person – our number is 01704 33 99 22. By calling, we can get to know how you are going to be using your taxi, and we can get a feel for the type of cab driver you are going to be. This is done to try and save you some well-earned cash, as well as find the cab insurance that is right for you.

Our friendly sales staff can give you a very quick, no obligation, quote; this saves you the hassle of having to fill out any forms.

If you prefer, we also offer online taxi insurance. If you would rather get an instant online taxi insurance quote, rather than over the telephone, then we understand. You can get access to our quotes by completing the “get a quote” form with your details, and we will get back to you with a figure. If there is any further qualification required to enable a quote, we will get in touch.

Taxi Quotes – made easy by Acorn Insurance.

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