Manchester Taxi insurance
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Manchester insurance policies from leading insurers, including;
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Guide to Manchester Taxi and Private Hire Insurance
Every taxi driver in Manchester needs insurance, and here’s why. In 2022, Manchester recorded an annual average daily traffic flow (AADF) of 89,274, and taxis were responsible for 61,302 of the total flow. Data also shows that taxis travelled 1.3 billion miles on Manchester roads in 2022, and during this time, 528 road accidents and 643 casualties were reported.
This implies that as taxi drivers spend most of their time on the road, they are more prone to incidents that may affect their source of income, and this is where Manchester taxi insurance comes in. Manchester taxi insurance is a dedicated insurance product designed to cater to the unique needs of taxi drivers. This insurance offering typically protects you and your vehicle covers your legal liability, and pays others for accidents that you cause them.v
What is the difference between Manchester taxi insurance and standard car insurance?
Taxi insurance is different from standard car insurance because it safeguards you from specific risks arising due to:
Insurers take these into account and provide coverage that is adequate for the level of risk associated with the job.
What types of taxi insurance are available in Manchester?
Taxi insurance in Manchester is broadly categorised into the following groups:
1. Public Hire Taxi Insurance
If you operate a taxi that is licensed to pick up passengers on the road and your services are not booked in advance, then you need public hire cab insurance. Public hire vehicles are sometimes referred to as black cabs, and they can wait at taxi ranks to carry passengers.
2. Private Hire Taxi Insurance
If you operate a taxi that is licensed to pick up passengers on the road and your services are not booked in advance, then you need public hire cab insurance. Public hire vehicles are sometimes referred to as black cabs, and they can wait at taxi ranks to carry passengers.
3. Taxi Liability Insurance
This protects you and your taxi business against claims of damage or injury made by someone in your care. These property damage or accidents may occur while passengers are entering, inside, or leaving your vehicle. Additionally, if needed, this insurance can be extended to cover your taxi premises.
4. Breakdown Cover
Some policies don’t include breakdown cover for your taxi vehicle. You can compare the best policies for taxi breakdown cover separately on our website.
Who provides taxi insurance Manchester?
LV taxi insurance whilst associated with Liverpool taxi insurance also provide cover for all UK authorities. Some main providers including Acorn taxi insurance are based in Manchester, so they should be on your list when searching for the best deal on Manchester taxi and private hire insurance.
Because of the surge in private hire drivers, 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 Haven taxi insurance, Bells, Freeways, Westminster, Paton’s, Aviva taxi insurance and Haven amongst others.
Different Types of Cover available for Taxis in Manchester
This policy type offers taxi drivers a reasonable level of protection against claims from other drivers and damage to other vehicles, including fire damage to your own vehicle or theft. However, it is limited cover as it does not cover damage to the driver’s own vehicle. Instead, it provides coverage for third-party liability as well as protection against theft and fire. For drivers seeking a balance between affordability and coverage, third-party, fire, and theft insurance may make sense.
The third-party-only insurance offers the most basic level of protection for cab drivers, and not all providers will offer this. While it meets legal requirements by covering liabilities to other parties in an accident, it does not provide coverage for damage to the driver’s own vehicle. Drivers opting for this coverage should be aware that, like Third party with fire and theft, they will still be responsible for any repair costs and other expenses if in an accident. Although third-party-only insurance can be the most affordable option, drivers should carefully weigh the risks against the savings before choosing this minimal coverage.
Fully comprehensive insurance combines Third Party, Fire, and Theft coverage with protection for your own taxi vehicle and property. As a result, it is the most widely preferred option amongst taxi drivers.
Fully comprehensive cover represents the highest tier of private hire insurance, offering the most extensive protection available, though it comes at a premium cost.
Insurance providers with an office in Manchester
| Insurance Provider | Office Address | Taxi & Taxi Fleet Cover Available? | Private Hire Insurance Available? | |
| Paton’s Insurance | Suite 180City View House5 Union StreetManchesterM12 4JD | |||
How to find the best taxi insurance in Manchester
Finding the best insurance policy depends on your unique situation, your budget, and the type of coverage you want. However, comparing quotes from different insurance providers can be a great way to know the insurer whose offerings align with your needs.
What is PHV Insurance?
This is a form of insurance specific to private hire drivers, drivers that must be prebooked. A private hire vehicle insurance policy or PHV insurance provides cover to the growing number of drivers in this service sector. If you are a taxi driver and can be hailed down, then you need taxi insurance. The panel can provide comparative quotes for both types of insurance. If you have more than one taxi on the road, a Manchester taxi fleet insurance policy may save you money in additional to reducing your administration overheads
How does Taxi Insurance in Manchester differ from a Car Insurance policy?
If you are a taxi or private hire driver, standard car insurance will not legally cover you to ferry passengers. To operate legally, you will need either Public Hire Insurance or Private Hire Insurance. These policies are will cover the higher risk associated with spending mire time on the road in areas of high risk and additional cover required for your paying passengers.
| Provider | Worthy of Note | Get Free Multiple Quotes |
|---|---|---|
| Towergate Taxi Insurance | Compare Now | |
| A 19 Taxi Insurance | Compare Now | |
| Zego Taxi Insurance | Compare Now | |
| Freeway Taxi Insurance | Compare Now | |
| Markerstudy taxi insurance | Compare Now | |
| Acorn Taxi Insurance | Compare Now | |
| Penk Taxi Insurance | Public liability cover for taxi drivers (included free on some policies) | Compare Now |
| Cabsurance | Cabsurance claims app allows you to quickly and efficiently report any claims | Compare Now |
| Collingwood Taxi Insurance |
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- Updated: 07 Apr 2025
- Reviewed by Eamonn Turley Insurance Expert