How to Deal If You’re Facing Difficulty in Getting Taxi Insurance?

Facing difficulty in getting Taxi Insurance? If you are struggling hard to get a cheap taxi insurance quote that is not sufficient to cover your taxi business, you are not alone! In London, there are many taxi drivers who come up against obstacles during their search for a suitable policy. Therefore, to get a Taxi Insurance London is such a daunting process. But don’t worry, you can learn how to navigate the insurance problems and can get the perfect solution for Taxi Insurance London.

Potential Taxi Insurance Obstacles:

Here is the list of the most common reason that taxi drivers face to get the insurance policy for their business.

The below-mentioned factors can be the reason to make the problem. One or more of the factors can be the reason;

  • Inexperience
  • Age
  • Private vs. public
  • Multiple vehicles
  • Larger vehicles


If you have little experience of driving taxi vehicles and received your taxi badge within the past two years, you may have faced red tape when attempting to find a taxi insurance policy. In the same way, a fleet with inexperienced drivers finds it hard to choose the insurer to protect the team of drivers.

If you are a beginner, it is often more difficult to get the quote. And also, the taxi insurance quotes for the novice taxi drivers are often costly than those of their experienced counterparts. Keep in mind that the annual policies mean you’ll see yearly reductions in your premiums, so it won’t be long before you see your efforts paying off.


As with personal vehicle insurance, quotes for Taxi Insurance London take into account your age when estimating your monthly/annual payments. But some insurers won’t accept drivers under a certain age.

Some insurance companies may offer taxi insurance policies to 18 plus individuals and provide competitive quotes that could transform the prospect of driving taxis for a living from dream to reality.

It is worth considering that if you require insurance for more than one taxi then you need to get taxi fleet insurance and, in most cases, it will not affect the minimum insurance age.

Private Vs. Public

Often, the insurance companies categorise insurance as public and private taxi insurance, while some specialize in one or the other. You would have struggled to get the insurance in the past and might approached an insurer who was unable to help with the type of taxi service you want to provide.

When you get the taxi cover for the type of taxi you drive, remember that public hire taxis can be hailed from the street or hired from a taxi rank whereas private taxis, Uber, for instance, need to be booked in advance.

Multiple Vehicles:

If you have multiple vehicles to insure and cannot found the insurance company to insure your multiple vehicles. It is because you need to consider taxi fleet insurance. Unlike general taxi insurance, fleet insurance can provide you monthly or annual policies for three or more vehicles whether you are getting insurance for private or public or even for a combination of both.

Larger Vehicles:

If you are struggling to get a taxi insurance policy for your Multi-purpose vehicle (MPV) or for other vehicles that fall in the higher insurance group. Some insurance companies require MPV drivers to take out specific larger vehicle insurance, whereas many others charge excessive premiums.

An easy solution to this problem is to find an insurer willing to provide protection for these larger vehicles without issuing inflated quotes. Cubit Insurance, for example, is happy to insure MPVs with before beginning to classify cars as minibuses, so you can benefit from a more adaptable vehicle without paying excessive prices.

If your vehicle regularly carries more than eight passengers, this can be the reason that you can’t get taxi insurance but better be looking at our minibus insurance.

Knowledge Is Key:

Understanding the type of coverage, you need is one of the important steps when selecting the right taxi insurance for your business, without leaving your business open to risk. Knowing the factors that are the reason to prevent you access the best Taxi Insurance London quotes, you can confidently research the market and find a specialist provider that really understands you and the nature of your business.

Jena Lucas
Hey! I am Jena Lucas, Marketing Manager. I work with Cubit-Insurance. I have worked in this company for 4 years. The objective of the company is to provide insurance on land, property, vehicles and even commercial insurance. My goal is to inform the people that insurance is compulsory for them. Because insurance is useful to you because it protects you from economic losses.

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