Taxi Breakdown Cover
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The taxi breakdown cover is available to help both the private hire and public taxi operators to get you back on the road. Help is just a phone call or text away when a problem on the road or at home is encountered. This type of cover can include help with a breakdown on the road or at home, the towing of the vehicle to a garage, and also help with taking your passengers to their destination.
A taxi roadside recovery policy is there to protect taxi drivers and private hire drivers that both provide a hire and reward service. This includes if there is a mechanical problem with the vehicle while transporting passengers to their destination so that they can get to their destination and the driver gets paid. This cover also takes care of the disabled vehicle with repairs or towing it to where it can be repaired so that the driver can go back to work. The vehicle can be disabled from a mechanical problem or a road accident. A recovery truck service is available to tow the vehicle to the nearest garage if it can not be fixed at the roadside.
What types of vehicles qualify for taxi breakdown cover?
The types of vehicles that can benefit from this specific type of cover include any private hire vehicle used to transport people that is under 3.5 tonnes, black cabs, and minicabs.
Who is covered with taxi breakdown cover?
Taxi breakdown cover is a vehicle-specific type of policy where anyone who is operating the taxi can call for assistance and receive it.
Is taxi breakdown cover included in taxi insurance?
Taxi road risk cover is separate from taxi or private hire breakdown cover, but most providers of taxi insurance, taking Freeway taxi insurance for example, will let you add roadside recovery as an optional extra. Before deciding if you should take cover from your insurance provider, it is advisable to look at providers of breakdown cover, as often going direct to the breakdown company can be the cheaper option.
What is specialist taxi breakdown cover?
This is specific vehicle insurance that comes to the aid of the self-employed taxi operator with assistance when a problem occurs with their vehicle. It is the same type of protection that will be issued to the owner of a fleet of taxi vehicles. This type of cover is available for UK residents and is valid only in the UK, except for European cover, which is only valid in Europe.
What is typically covered by taxi roadside assistance
Taxi road risk cover is separate from taxi or private hire breakdown cover, but most providers of taxi insurance will let you add roadside recovery as an optional extra. Freeway taxi insurance is a good example of an insurance provider that will also provide an option to add roadside assistance. Before deciding if you should take cover from your insurance provider, it is advisable to look at providers of breakdown cover, as often going direct to the breakdown company can be the cheaper option.
Below are some points to consider in finding which taxi breakdown package is best for you. If you operate a fleet of taxis, some taxi fleet insurance policies may come with breakdown cover included.
What is not covered by taxi breakdown cover
Exclusions do exist, and it is important to read the terms and conditions of any policy. Below, we have highlighted some of the more common exclusions in a standard taxi roadside assistance policy.
Who offers taxi breakdown cover in the UK?
Not all breakdown companies will offer cover for taxi vehicles due to the increased risks. This is also true of Green Flag. Those that do offer this service act as brokers or an intermediary to the actual roadside recovery service.
- AA Taxi Breakdown
- Plan insurance taxi roadside assurance
- Guardia Driver, who offer a range of products for taxi and private hire drivers
- ZEGO
- Insuhur Taxi
- RAC Taxi Breakdown Assistance
What are the different levels of taxi breakdown cover?
The standard taxi breakdown cover is only valid in the UK and includes roadside assistance and towing of the vehicle to the nearest repair garage that is within 10 miles of the breakdown. The cause of the disabled vehicle can be from a mechanical problem or a road accident.
National taxi breakdown cover includes the same as the standard cover, but the vehicle can be towed to the destination of choice of the driver. The cause of the disabled vehicle can be as a result of a mechanical problem or a road accident.
Relay or onward journey cover includes the benefits of national cover and will also transport the passengers to their destination if possible. If that is not possible, overnight accommodation will be provided for them. The cause of the disabled vehicle can be the result of a mechanical problem or a road accident.
European breakdown cover includes all the above, but is only valid for UK residents who are travelling in Europe in a UK registered vehicle.
The taxi breakdown cover is made to help the professional driver get their vehicle roadworthy if the unforeseen accident or breakdown occurs.
Can I pay for roadside recovery monthly?
The cost of taking out a breakdown service is not expensive, typically ranging from £120 to £150 per year; as such, few if any providers will offer a monthly payment option. Don’t forget, monthly payments will normally work out more expensive than making one annual payment.
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- Updated: 07 April 2025
- Reviewed by Eamonn Turley Insurance Expert