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Taxi Insurance Liverpool

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Compare taxi and private hire insurance quotes from specialist UK brokers. One quick form covering hackney carriages, private hire and taxi insurance pay monthly options — available across Birmingham and the West Midlands.

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Private hire & hackney carriage cover
Fleet policies for multiple vehicles
Birmingham City Council licensed drivers

Quotes are provided by a panel of specialist taxi insurance brokers. All providers are FCA regulated.

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Compare Taxi Insurance Liverpool In 3 Steps

1
Tell Us About Your Taxi
Share details about your vehicle, your Liverpool licence type and the area you operate in
2
Compare Liverpool Quotes
Compare prices and cover levels from specialist taxi insurance brokers on our panel
3
Get On The Road
Choose your policy, get covered and drive with confidence across Merseyside
All Panel Members Are FCA Regulated

Why compare Taxi insurance with MultiQuoteTime?

At MultiQuoteTime, we partner with specialist brokers who understand the unique demands of the taxi industry. We’re here to help professional drivers like you secure reliable cover that protects your livelihood. By leveraging our brokers’ deep industry expertise, we simplify the process of finding tailored taxi insurance that provides complete peace of mind if you ever need to make a claim

Key Takeaway :  

MultiQuoteTime helps you to quickly explore multiple taxi insurance options by simply completing one online form – saving time whilst reducing stress!

Liverpool & Merseyside

What is Taxi Insurance in Liverpool?

Taxi insurance in Liverpool is a specialist motor policy required by any driver carrying fare-paying passengers in the city. Standard car insurance does not cover you. To avoid motoring convictions it is important to have the correct policy in place before you pick up a paying passenger.

Whether you operate a private hire minicab, a hackney carriage, drive for Uber or Bolt, or run a small fleet of vehicles across Merseyside, you need a policy specifically designed for taxi work. Liverpool City Council requires all licensed drivers to hold valid taxi insurance before they can legally operate.

MultiQuoteTime provides access to a panel of specialist taxi insurance brokers — one short form lets you compare private hire, public hire and fleet policies side by side, saving you time and money.

Why MultiQuoteTime

Why Compare Liverpool Taxi Insurance with MultiQuoteTime?

One short form. A panel of specialist taxi insurance brokers. No obligation.

One Form, Multiple Brokers

Complete one short form and access quotes from a panel of specialist taxi insurance brokers. Private hire, public hire and fleet all covered. No need to repeat yourself across multiple sites.

Specialist Brokers Only

Every broker on the panel specialises in taxi and private hire insurance. Whether you drive for Uber, operate a hackney carriage or run a Merseyside fleet, they understand your work.

All Driver Profiles Considered

New drivers, experienced drivers, those with points or previous claims. Brokers on the panel work with a wide range of risk profiles and circumstances.

Eamonn Turley
Eamonn’s Take: What Affects Your Liverpool Taxi Insurance Cost
Eamonn Turley · Commercial Insurance Editor, MultiQuoteTime

Many Liverpool drivers assume third party only is going to always be the cheapest option. Don’t assume — some insurers have repriced minimum cover upwards because the claims frequency on those policies is higher. As such I’d always recommend comparing all three levels of cover before deciding. Also worth noting: if you are doing late-night city centre runs around the Albert Dock or Concert Square, expect your postcode and operating hours to push your premium up. Comparing multiple brokers through one form is the most practical way to find the most competitive rate for your specific situation.

Liverpool City Council

Liverpool Taxi Licensing Requirements

Before you can legally operate as a taxi driver in Liverpool, you must be licensed by Liverpool City Council. New applicants must complete each step in the correct order before a licence will be granted.

  • 1
    Full UK Driving Licence
    You must have held a full, valid UK driving licence for at least 12 months. Your licence must show your current address before you apply.
  • 2
    Enhanced DBS Check
    You must hold a full enhanced DBS certificate issued within the past six weeks. Liverpool City Council strongly recommends signing up to the DBS Update Service so your certificate stays current at each renewal.
  • 3
    DVLA Check
    A DVLA check is required to verify your driving record. TaxiPlus can carry out both your DBS and DVLA checks if you hold a valid UK licence with your current address.
  • 4
    Medical Assessment
    All new applicants must pass a medical assessment to confirm they are fit to drive passengers professionally. This must be completed before your application can proceed.
  • 5
    Liverpool Standard Part 1
    The Liverpool Standard Part 1 is a Vocational Related Qualification (VRQ) that all new applicants must pass. The course covers customer service, equality and diversity, driver and passenger safety, and disability access. Only training providers approved by the Taxi Driver Licensing Sub-committee are authorised to deliver it.
  • 6
    Liverpool Standard Part 2
    Once your licence is granted, you must complete the Liverpool Standard Part 2 within 12 months. In some cases, the Part 1 fee may be refunded upon completion of Part 2.
  • 7
    Valid Taxi Insurance
    You must hold a valid taxi insurance policy before you can legally operate. Standard car insurance does not cover hire and reward work. Liverpool City Council requires proof of cover before a licence plate is issued.

If you have lived outside the UK for three or more months since the age of 18, you will need to provide an original Certificate of Good Conduct from each country you lived in before your application can be processed.

What is the average cost of taxi insurance in Liverpool?

The cost of taxi and private hire insurance varies with providers and depends on a number of factors. No two drivers will receive the same quote insurers assess each application individually based on the risk profile of the driver, the vehicle being used and where in Merseyside you operate.

It is also worth noting that taxi insurance premiums have risen in recent years. Increased repair times and higher parts costs particularly for electric and hybrid vehicles have pushed prices up across the industry (ABI). Shopping around and comparing multiple brokers is more important than ever.

Type of Policy

Whether you need private hire, public hire or fleet cover will directly affect your premium. Hackney carriage cover in Liverpool typically costs more than private hire due to the ability to ply for hire on the street.

Your Driving Record

A clean licence with no claims or convictions will attract lower premiums. Points on your licence, fault claims or previous policy cancellations will increase the cost and may limit the number of brokers willing to quote. Always declare points as failure to do so can invalidate a claim.

Value of Your Vehicle

Higher value vehicles cost more to repair or replace, which is reflected in the premium. Electric and hybrid taxis have seen particularly sharp increases in repair costs in recent years, which has pushed premiums up for these vehicle types.

Your Service Area

Operating in Liverpool city centre particularly during late nights around the Albert Dock and entertainment districts is considered higher risk than suburban or daytime-only work. Your postcode and typical operating hours will affect your quote.

Years of Experience

Newer drivers and those with fewer years of taxi experience are generally considered higher risk. More experienced drivers with a track record of claim-free driving can access more competitive rates from specialist brokers.

Level of Cover

Comprehensive cover is not always the most expensive option. Third party only premiums have increased significantly as insurers have found that higher-risk drivers tend to opt for minimum cover, resulting in more claims. In many cases, comprehensive cover can work out comparable or better value always compare all levels before deciding.

Premiums depend on individual circumstances and will vary between brokers. Comparing quotes from multiple specialist brokers is the most effective way to find competitive cover for your situation.

What types of taxi Insurance are available in Liverpool?

There are 4 different types of taxi insurance, and they include:

1. Private Hire Insurance

Private hire insurance is designed for drivers who hold licences to transport pre-booked passengers in exchange for payment. Taxi drivers who work for ride-hailing operators like Bolt and Uber fall under this motor insurance category. Other sub-categories under private hire insurance include chauffeur insurance, which is a specialist insurance product for drivers who operate luxury hire and reward services.

2. Public Hire Insurance

Public hire insurance, sometimes called black cab insurance, is essential for drivers operating vehicles licensed as Hackney carriages to transport fare-paying passengers. Unlike private hire taxis, public hire taxis do not require pre-bookings and are legally permitted to pick up passengers from the street. Some insurance providers may include minibus insurance under this category, while others may offer a specialised product for it.

3. Taxi Fleet Insurance

If you are operating a taxi rank or operate multiple taxis, consider taking out a taxi fleet insurance policy, it should work out cheaper, and it will definitely reduce your administration overheads.  Most if not all taxi fleet insurance providers will also offer generous discounts as you add more taxi cabs to your fleet.

3. Decommissioned Taxi Insurance

Decommissioned taxi insurance is for drivers who no longer use their vehicles as taxis. Whether you have sold your taxi, retired, or stopped using the vehicle for taxi services for any other reason, you must inform your insurer when you decommission your taxi so they can make the necessary changes to your policy.

Depending on how you operate your taxi, these insurance types could be sole driver policies (for only the driver), named driver policies (for different people named on the policy, if more than one person operates the cab), or any driver policies (common among private hire companies for employed drivers). There’s also the taxi fleet insurance that allows you to cover more than one taxi under the same policy.

Guide to Liverpool Taxi Insurance

Driving a taxi in Liverpool can be as profitable venture, but it comes with some level of risk. As a taxi driver, you’ll typically spend more hours on the road, drive late nights, and pile up more miles than standard drivers. This makes you prone to damages and requires you to protect yourself, your passengers, and your business through taxi insurance.

Taxi insurance is a specialised insurance that provides coverage for both you and your vehicle for your hire and reward services. This insurance safeguards you, your vehicle, and your business from potential damage or injury claims filed by passengers or the general public.

Depending on how you operate your taxi, these insurance types could be sole driver policies (for only the driver), named driver policies (for different people named on the policy, if more than one person operates the cab), or any driver policies (common among private hire companies for employed drivers). There’s also the taxi fleet insurance that allows you to cover more than one taxi under the same policy.

How does taxi insurance in Liverpool differ from a car insurance policy?

For individuals who work as taxi drivers, standard car insurance is insufficient to ensure adequate protection of yourself, your vehicle, and your passengers. If you engage in hire services, it is essential to secure a suitable annual or monthly taxi insurance policy.

Taxi cover typically carries a higher cost compared to car insurance. This difference in cost stems from the likelihood of increased accident risks, primarily because taxi drivers log more miles on the road than the majority of regular motorists. In addition to the extended mileage, taxi drivers often operate larger vehicles that fall into higher insurance rating categories.

Taxi Insurance Companies & Private Hire Insurance Providers in Liverpool

Most high street insurance agents can provide you with this type of cover, but also check out the specialists providers in this niche. These include Acorn taxi insurance, Bells, Freeways, Westminster, Paton’s, Aviva taxi insurance and Haven among others.

Insurance Provider Address Taxi & Fleet Private Hire
Acorn The Lighthouse, 98 Liverpool Road, Formby, L37 6BS
Patons Unit 9 Connect, Business Village, 24 Derby Road, L5 9PR
Britannia Taxis 1 Stockbridge Lane, Liverpool, L36 3SA
Sep Insurance 10 Berry Street, Bootle, L20 8AT, Liverpool

Our partners offer access to quotes for a wide range of professional drivers in 2026, including the vehicle types listed below:

Taxi Types Cover Available
Public Hire Taxi
Private Taxi
Chauffeur
Taxi Fleets
Minibus and Multi Purpose Vehicles (MPV)
Saloon and Estate Taxis
Wheelchair Accessible Taxi Vehicles
Hackney Carriage

Key Resources for UK Taxi & Private Hire Drivers

Industry Support & Helpful Resources

Licensed Taxi Drivers’ Association

A membership group for taxi drivers, the LTDA is also a support group for those that work in the trade.

Access LTDA Support →

National Private Hire Association

The NPHA is an organisation that provides useful support and help for cabbies everywhere.

Explore NPHA Resources →

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Eamonn Turley
Last Updated: 05 March 2026
Reviewed by: Eamonn Turley, Insurance Specialist
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