Taxi insurance Cardiff
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Guide to Cardiff Taxi Insurances
For every taxi driver in Cardiff, we understand your taxicab is your job. Making sure that your taxi insurance is tailored to your needs is essential – as your income depends on it!.
We can provide you with access to a range of quotes from a panel of specialist taxi insurance brokers that are able to tailor polices to you or your taxi or private hire business model and requirements.
All categories of taxi insurance now available
You can obtain quotes for a wide array of cover types, which include:
- Mini Cab : When you need to compare quotes online quickly for your minicab insurance premium.
- Public hire insurance is one of the main categories of taxi insurance, also referred to as PCO insurance in London
- Electric Taxi Insurance
- Chauffeur : Do you provide an exclusive chauffeur service and need chauffeur insurance?
- A growing sector is the private hire taxi sector. Private hire drivers can not be flagged down, but must be prebooked. They have a slightly different risk profile and a range of polices exits including PHV insurance that can be paid monthly. Uber’s drivers also fall into the private hire category, and Uber taxi driver insurance is also available.
- Taxi Fleet Insurance
Levels of taxi insurance available
Similar to Birmingham taxi insurance, taxi insurance in Cardiff is available at different levels of cover as we have detailed below:
- Comprehensive is the highest level of cover that is available for any owner driver, it covers damage to not only third parties, but also damages to your own property and self.
- Third party is the minimum cover required by UK law. This cover does not provide any protection for damage to your own vehicle or any injures to oneself resulting from an accident. Needless to say, should you be unfortunate enough to be involved in a major road accident that you are responsible for, you could easily be liable for steep costs. Do take into consideration the possible medical bills and the restoration of your motor to road worthiness or indeed replacement costs should it be a write-off.
- Third party with Fire and Theft In addition to third party cover is also provided for for and theft.
- Break Down Cover : Taxi breakdown cover for private hire owner drivers and can save you many hours that would otherwise be lost had you not included it within your policy.
- Europe : Taxi insurance for driving abroad may be added as an extra if required.
Tips towards affordable taxi insurance in Cardiff
Insurance companies work out the cost of Cardiff taxi insurance based on a number of factors. Below we have highlighted some factors and any possible steps to consider to help lower the costs of Cardiff taxi driver insurance, but is applicable to all taxi drivers
- Comparing quotes: is the first step to saving money, start the process by using comparative websites. Please be aware that some insurance companies may not offer their rates on comparison sites, so it may pay to visit individual broker sites. One of the best ways to really save money is to shop around s and get multiple quotes, so you can compare them. This may also give you some leverage at policy renewal time. Different companies offer different policy rates, discounts and coverage, so it’s better to get multiple quotes.
- Pay your policy yearly: If you are currently paying taxi insurance monthly, switching to paying your policy annually should bring down the cost of your annual premium.
- Taxi Security: If you have fitted any safety / security items from Thatcham, please insure you advise your broker, as this could result in savings on your premium.
- Consider Fleet Cover: If you have a fleet of cabs as a business, it is generally more cost-effective with less administration task to purchase a taxi fleet insurance cover. Fleet policies will provide protection for all your vehicles under one easy to administer policy.
- Black Box: Even for taxi drivers, adding or complying with the insurance company telemetric request can help significantly lower the cost of Cardiff taxi or private hire insurance (if the data is favourable)
Useful Links:
- Licensed Taxi Drivers’ Association – A membership group for taxi drivers, the LTDA is also a support group for those that work in the trade.
- National Private Hire Association – The NPHA is an organisation that provides useful support and help for cabbies everywhere.
Get started with your Cardiff Taxi Insurance Quote
- Policies can be Tailored to your business requirements
- One short form – you could save time & money
- Quotes from UK & NI insurance providers
What do you need to get a quote?
In order to get private hire vehicle insurance quotes, please have the following details available:
- Updated: 29 April 2025
- Reviewed by Eamonn Turley Insurance Expert