Taxi insurance is vital for all taxi drivers to protect not only themselves but also their passengers. However, it’s also incredibly specialised, and there are a number of things that a taxi insurance company will need to look at before you’ll be given taxi insurance UK. One of these things is your claims history.

As with all motor insurance quotes, taxi insurance in UK quotes will be largely dependent upon your claims history. As such, all taxi insurance companies will ask for your claims history before they can give you an accurate quote.

This is because taxi insurance companies need to be aware of their risk in insuring you, as they don’t want to lose money by paying out for too many claims. As such, the price of your policy will vary accordingly – if you haven’t had a claim in the last 5 years, for example, your premiums will be lower than if you have had a claim.

It’s a legal requirement to keep track of your claims history to enable you to get an accurate quote. If you give the wrong information you could also get a criminal record, so if you’re unsure of your previous claims make sure to find out by any means necessary before you get taxi insurance in UK. Go through your own records or, if needed, contact your insurer to double check.

The amount that you’ll be penalised for your previous claims varies greatly between insurance companies, so if you have had a claim it’s worth doing your research to find the best quotes for your taxi insurance in UK. It’s also worth looking for an insurance company that only looks at your claims history in the last 3 years, for example, as many insurers vary in the length of time that they check.

Getting the best taxi insurance in UK depends on a number of points, and your claims history is just one of them. Bear in mind the effect that your claims history can have on your premiums, and always shop around to find the best deal.

Insurer	Outstanding Features	Quote
	Private and public hire vehicles single or fleet cover, Bonus earning schemes available, 3, 6 and 12 month policies, Flexible Payment Options, Cover available nationwide, Minibuses, MPV and coach cover. £100 cashback or free breakdown for new customers! Terms and Conditions may apply.	Freephone Quoteline 0800 466 1989

Being a part of the 35 million other road users in the UK means insurance is vital. It is also a legal requirement as part of the Road Traffic Act 1988, but it is also compulsory to retain a taxi license. UK taxi insurance is in the high risk category as taxis are generally on the road more often than other motorists.

To become a taxi driver in the UK, one must first own and have owned a drivers license for over 5 years. The record must be clean, with no convictions and the hopeful participant must complete a taxi license in order to obtain a taxi badge. Generally, older and more experienced drivers have less to pay out for UK taxi insurance than their younger counterparts. As taxi drivers are high risk, under 25 year old drivers will find it difficult to obtain cheap insurance. It is still possible, but shopping around for insurance is recommended.

Once the taxi license is obtained through the relevant council, the taxi driver can start a business, although this requires capital for a safe and thoroughly checked over vehicle. The annual tests for taxi vehicles are far more stringent and insurers will need to know if there are any advisories from the test centre. The driver may also join a company which should deal with the insurance, unless they work as a self employed contractor. This means the driver would be liable for their own taxes and fill in an annual tax return form.

UK Taxi insurance is essential for anyone that becomes or wants to become a taxi driver. The public who use taxis need to be comfortable with the service they are paying for. In the event of an accident, which could cause loss of earnings, the customers and indeed the driver needs to be insured against it to minimize the risk.

In summary, to become a taxi driver, firstly obtain the license and then get UK taxi insurance. This will cover you for any accidents, breakdown, windscreen cover and any loss of earnings. It also covers the passengers who may be involved.

Insurer	Outstanding Features	Quote
	Private and public hire vehicles single or fleet cover, Bonus earning schemes available, 3, 6 and 12 month policies, Flexible Payment Options, Cover available nationwide, Minibuses, MPV and coach cover. £100 cashback or free breakdown for new customers! Terms and Conditions may apply.	Freephone Quoteline 0800 466 1989