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What Is Taxi Base Insurance?

If you operate a taxi business from an office (or taxi base), then you’ll need insurance for your business premises.

Your base is the ‘nerve centre’ of your taxi business. Imagine not being able to take calls from customers or arrange for drivers to take fares. That’s why protecting your base is so important.

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What is included in taxi insurance policies?

ChoiceQuote offers:

Taxi office insurance

Covering your taxi base (or office) buildings and contents.

Taxi office liability insurance

Taxi office liability insurance covers employers’ liability and public liability. If you hire employees for the office as well as drivers, they’re all covered by your employers’ liability. Public liability will cover you for any incidents of alleged injury during taxi operations. Many taxi offices do not have waiting areas now, but these can also be covered with certain insurers through ChoiceQuote.

Private hire taxi insurance

Operating a taxi firm from a base, you’ll be taking bookings for taxis. This means you will need private hire taxi insurance for your vehicles. Private hire insurance is specifically designed to cover pre-booked vehicles for hire and reward use.

Taxis can be covered on a third-party only, third-party fire and theft, or comprehensive basis. Check with ChoiceQuote to find the right value cover for your needs.

Fleet insurance

A must for larger companies with more than 3 vehicles, allowing for flexibility in your business. Instead of individual policies for each taxi, insurance for fleets brings everything together on one policy. You can cover a range of taxis and drivers, so it’s simple to administer. Single vehicle taxi insurance is also provided by ChoiceQuote – if you have three or fewer vehicles, it’s also worth considering.

ChoiceQuote can also cover provide public hire insurance, for vehicles which are flagged down on the street and not pre-booked. Let us know if this is needed.

In fact, whatever type of insurance is needed for your taxi, chances are we can help you!

What types of vehicle are covered by taxi insurance?

As part of a taxi insurance policy, ChoiceQuote can cover a wide range of vehicles, including:

  • Saloons
  • Hatchbacks
  • Estate cars
  • Black cabs/Hackney carriages
  • MPVs (up to 8 passenger seats)
  • Minibuses
  • Diesel or petrol vehicles
  • Hybrid vehicles
  • Electric vehicles

We also cover a range of taxi licensing authorities across the UK. Contact us and let us know where your taxi base is, and we’ll see if we can arrange cover for you.

How much does taxi base insurance cost?

Taxi base insurance prices depend on a variety of factors, including:

  • Your taxi office/base location
  • The type of building
  • The assets which you need to cover, and more.

Your situation is unique – so is your insurance quote.

Get in touch with us to discuss the insurance you need. We’ll build a package of taxi office insurance and vehicle insurance that’s right for you and priced to meet your needs.

What is public liability insurance?

Should a member of the public be injured at your premises, or make a claim of alleged injury while in your taxi base or on the road in a taxi, then that’s where public liability insurance comes in.

While it’s not a legal requirement, it is recommended to have this insurance. Without it, you could face high costs from defending or settling claims.

When it comes to taxi offices, all insurers will require screens in place between any waiting areas and employees, to ensure everyone’s safety. You can get cover for public liability in taxi office waiting areas, but this can have an impact on costs. Speak to us to find out more.

Additional taxi base policy options

Business interruption insurance

What would you do if a fire destroyed your premises? If you’re unable to continue trading a for period of time due to a fire or flood, business interruption insurance can help you to recover lost income until your taxi base is up and running again.

Legal expenses cover

The cost of legal fees can be crippling for smaller businesses, while the cost of insurance is relatively small, so it is worth covering legal expenses in case of any issues which require legal representation.

Breakdown cover

We can provide breakdown cover for taxis, keeping vehicles moving and your passengers on the go – so you don’t lose out on valuable business.


Track your taxis wherever they are on the road. Telematics record incidents on the road with connected on-board cameras, keeping your drivers safe and reporting claims instantly. We offer best-in-class telematics to taxi operators.

Directors’ and officers’ insurance

As a business owner, directors’ and officers’ insurance covers if you are sued personally for alleged wrongdoing in your business. Let us know if you want to find out more about this added protection on your taxi policy.

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