Is taxi insurance more expensive for new drivers?

Often yes, because you have no taxi claims history. Premiums typically fall as you build experience and a no claims record.

Can I use my private car no claims discount as a new taxi driver?

Some insurers allow a private car no claims discount to reduce a new taxi premium, while others only recognise a taxi no claims discount. It varies by insurer.

Do I need driving experience before becoming a taxi driver?

Councils usually require you to have held a full driving licence for a set period before they issue a badge. The period varies, so check your licensing authority's rules.

Taxi

Can I get taxi insurance as a new taxi driver?

Yes, newly licensed taxi drivers can get cover. Learn what affects the premium for new drivers and how it can change as you build experience.

Yes. Specialist insurers offer taxi insurance to newly licensed drivers, although premiums are often higher until you build up taxi experience and a no claims record.

Cover for newly licensed drivers

Being new to the trade does not stop you getting insured. Specialist taxi insurers regularly cover drivers who have just received their council badge, whether for private hire or hackney carriage work. Your policy needs to include hire and reward cover, which is what allows you to carry fare-paying passengers.

What shapes your premium

Your premium is shaped by factors such as:

Your age and overall driving experience
How long you have held a full licence
Your private car no claims discount, where accepted
The vehicle you intend to drive and your area
Whether you work public hire or private hire

Some insurers will recognise your private car no claims discount even without taxi history, which can help. As you build a clean taxi record, future renewals usually become less costly.

Before you start working

Make sure your licence, badge and vehicle licence are in place, and have your documents ready when you ask for quotes. Give accurate details about how you will work, including the operator you drive for and the areas you cover, because mistakes can cause problems if you need to claim.

Getting a quote

Prices vary between specialist insurers, so it can help to speak to a broker who knows the taxi market. Fill in a short form on our taxi insurance page and a specialist FCA-authorised broker from our panel will contact you about quotes. You can read more about how we work.