Westminster Taxi insurance

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Table Of Contents

Guide To Westminster Taxi Insurance
Nobody knows the Taxi trade like Westminster
Westminster taxi insurance highlights
Westminster Taxi Insurance levels
What is PHV Insurance?
Westminster Taxi Insurance Options
Westminster Insurance Exclusions
Lowering insurance costs with Westminster
How to get insurance quotes at MultiQuoteTime.co.uk
Steps that you can take to get cheap Westminster taxi insurance
Westminster Offer Public and Private Hire Insurance
Which Taxi Insurance Add-Ons Can I Get with MultiQuoteTime?
Clegg Gifford / Westminster Head Office
Westminster Taxi Insurance Agents
Westminster Taxi Insurance FAQ's
Search & Compare – One Form Multiple Quotes
Search & compare affordable quotes from UK Taxi Insurance providers

Guide To Westminster Taxi Insurance

Westminster has been providing insurance to the taxi industry since 1948. Over this time, it has developed strong links with both the private and public hire insurance markets. They currently operate a network of 45 tied agents that offer their market-leading insurance products.

A Lloyd’s insurance broker bought Westminster insurance in 2014 and expanded the range of products that the agents can offer their customer base. The branch office network now includes offices in Romford, Guernsey, Edinburgh, Peterborough, Minories (City of London), Cannock and Wakefield, as well as through the 45 tied agents with offices across the UK.

The Lloyd’s broker in question was Clegg Gifford, and now Westminster taxi insurance is part of the Clegg Gifford Group. Westminster is a trading name of Clegg Gifford & Co Ltd.

Others in this sector include InsureTAXI insurance that have been operating since 2003 and belong to County, Acorn taxi insurance, Motorcade taxi insurance, plus Covermy Cab that have been providing PCO insurance for over 40 years.

Nobody knows the Taxi trade like Westminster

This is according to their website, but they do insure over 40,000 taxis and have a dedicated first response and Accident Damage team to process claims as quickly as possible. Like other specialist in this sector, Westminster taxi insurance understands the importance of keeping taxi drivers on the road and earning.

Westminster taxi insurance highlights

Local roadside assistance and local recovery
Dedicated team to process claims, and keep taxi drivers on the road.
Bonus protected from one year onwards
Money cover up to £500
Public liability cover up to £10m
Legal expenses cover
Personal accident cover, £100,000 (up to age 75)

Westminster Taxi Insurance levels

My Westminster offers 3 levels of taxi and private hire cover as detailed below.

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.

Most cab drivers find comprehensive insurance the right choice. This level of cover offers extensive protection across various types of accidents. The cover is aimed at providing cover in all circumstances that you may encounter during the working day. This coverage ensures that drivers are safeguarded in all scenarios, whether dealing with minor car issues or major incidents. With comprehensive coverage, drivers can feel confident that both their vehicles and passengers are protected from a wide range of potential risks, providing peace of mind on the road.

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.

Westminster Taxi Insurance Options

All insurance brokers can offer addition types of insurance that can be added to the base taxi insurance policy, these include:

Taxi breakdown cover
Personal Use Cover : This is a popular option that covers you for domestic and social use.
Courtesy Taxi : If you are involved in an accident that prevents you from using your taxi, a courtesy taxi will be provided
Loss of Taxi keys : Cover for replacement and onward journey

Westminster Insurance Exclusions

All providers of insurance will stipulate exclusions,

Working outside specified region : If you pick up fares outside your region of cover specified in your policy, you may not be insured.

Taxi Vehicle Theft : Similar to car insurance if you are careless and leave the keys in the ignition or in the car for cars without ignition. If the cab is stolen under these circumstances, the insurance company will not pay out.

Lowering insurance costs with Westminster

Westminster are able to offer taxi drivers the option of employing telematics for drivers that are looking for ways k to reduce the overall cost of cover. Installing such a device is a practical step that can be taken and will help the agent Westminster to defend you against any fraudulent claims, thereby safeguarding your no claims record.

For those with more than one taxi, Westminster are able to offer minicab fleet insurance, This style of policy is intended to provide the taxi firm with bulk discounts whilst also aligning renewal dates for ease of service.

How to get insurance quotes at MultiQuoteTime.co.uk

Complete the Form: details about your taxi example number of seats make and model and driver details.

Choose the level of cover: You can also add extras at this stage, such as public liability insurance.

Check prices: you could save £££’s

Get Multiple Quotes

Steps that you can take to get cheap Westminster taxi insurance

You may make savings on taxi insurance by following these steps.

1. Work with your broker – Part of an insurance provider’s job is to try to stop unnecessary accidents from happening in the first place. To do this, they will usually suggest risk improvement measures to the policyholder before or after quoting on a policy application. These measures may be as simple as getting an electrical inspection or fitting a security camera.

2. Taxi security : If your vehicle does not have a factory immobilizer fitted, get one fitted and make sure it is professionally installed and is compliant with the insurance industry

3. Location And Security – A large part of a taxi and private hire risk is theft, vandalism and arson. This is much more of a problem in some areas than in others, so it’s worth considering this when you’re working out where to park your taxi. Also considering countermeasures to theft and damage, such as security cameras, locked garages, and alarms. Location and prevention measures can both significantly reduce the premium you’re quoted when you contact your insurer.

4. Taxi Dash Cam – Install a taxi dash camera, this will let your insurance provider to process any claims quicker and may have the added benefit of safeguarding you from fraudulent claims. Fraudulent claims are on the rise!

5. Pay Upfront – Pay your insurance as a one off annual payment rather than choose monthly taxi insurance payments. For some, taxi drivers, the extra fees are acceptable for the added ease of budgeting.

6. Agree a Higher Excess – When you get a quote, there is often an involuntary excess on the policy that, in the event of an accident, you must pay before the insurer will pay the rest of the losses. This type of excess is present due to a particular risk being very high, and so is not found on every policy. In either case, you can usually offer to pay a voluntary excess on top of the involuntary excess to reduce your premium further. This excess can be specific to a risk, such as flood, or general, and can range from £250 to £5,000.

Compare Multiple Quotes : With the word wide when, it is now east to get multiple quotations from a range of insurance companies, enabling you to quickly compare prices and coverage. Prices quotes can vary as insurance companies can apply different weights to the metrics they use in deciding potential risk and thus final premium. Use price comparison websites like MultiQuoteTime or consult an insurance agent direct to help in finding the best rates possible. or consult an insurance agent direct to help in finding the best rates possible.

Westminster Offer Public and Private Hire Insurance

Westminster can provide cover for these two distinct types of taxi service.

Public Hire : These taxis can be hailed from the roadside or from a taxi rank.
Private Hire : These taxi must be prebooked in advance.

Which Taxi Insurance Add-Ons Can I Get with MultiQuoteTime?

In addition to road insurance, insurers can either include additional add-ons or offer these as paid extras. These include, but are not limited to, the following.

Taxi Breakdown Cover

Taxi breakdown cover is worth considering to reduce any time off the road and lost earnings. Most providers offer roadside assistance and towing to the nearest garage if necessary.

Motor legal protection

If an accident cannot be resolved and ends up in court, you could face hefty legal fees. Taking out legal protection will provide financial coverage for your legal costs. While some policies include it, adding it as an extra can be a smart choice.

Rental Replacement Car

This provides you with a vehicle when your taxi is off the road for repairs. It is important to ensure that the car provided includes insurance so you can continue working, as some are limited to personal use only.

No Claims Protection

no-claims bonus (NCB) protection is a popular option that safeguards any no-claims bonus you’ve built up over time.

A few insurers now include this as part of the base package. It is an attractive option as it will protect your no-claims history even if you have to make a claim.

Clegg Gifford / Westminster Head Office

Romford Head Office7 Eastern Rd, Romford, Essex, RM1 3NH

Westminster Taxi Insurance Agents

The agency network consists of agents that are expert in the field, and many are recruited from within the ranks of the taxi trade itself. They can all offer advice on all matters taxi insurance related including questions on Hackney Carriage, Private Hire, Executive Hire, Minibus and Taxi Fleet Insurance. All the agents accept payments by Credit and Debit Cards, or you can pay by Direct Debit over 12 months.

Westminster Taxi Insurance FAQ’s

Why does taxi insurance cost so much?

The key reason that insurance premiums for taxi drivers are normally higher than car insurance is that driving a hire for reward vehicle comes with additional risks. An obvious example are the long hours most cab drivers spend on the road, come rain or shine. This leads to an increased risk of accident and subsequent claim. Add to this the fact that you are also dealing with members of the public inside and outside your taxi, leaving you open to liability claims. All these taken together add more risk on the insurer, which is often reflected in higher final premium.

Does my taxi insurance cover me for driving other cars?

Taxi insurance only provides cover for the vehicles that are listed on the policy schedule. If you need cover to drive another vehicle, you will need to either the vehicle including in your existing schedule or take out a new separate insurance policy.

When an accident happens that involves my taxi, what steps should I take?

First priority is to get you and your passenger into safety. In terms of insurance, contact your insurance company as soon as possible after an accident to report it. Following the insurance provider instructions will help speed up any claims process, getting you back on the road quicker.

Can I pay my taxi insurance on a monthly basis?

Most taxi insurance companies are flexible when it comes to arranging payment terms. However, choosing monthly payments may include extra interest charges. A few providers are now offering pay as you taxi insurance aimed at seasonal drivers, which may be worth exploring.

Can I drive my taxi under standard car insurance?

Taxi and private hire need specialist hire and reward insurance, providing a taxi service without the correct insurance is the same as driving without insurance and may result in an IN10 driving endorsement including having your vehicle impounded.

Can I add Public Liability Insurance to My Westminster Policy?

Yes, Public liability can be added as extra to your Westminster taxi insurance policy. This will provide cover for claims made by a third party whilst you are plying your trade.

Can I add fast food delivery Insurance to My Westminster Taxi Insurance Policy?

The Westminster agent will be able to add cover for food delivery, subject to underwriting considerations.

Is Taxi Fleet insurance avaialble with Westminster Taxi Services?

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.

Is taxi breakdown cover available as a standalone policy?

Yes, taxi breakdown cover this can be bought as a separate policy or bundled into your taxi insurance policy. If you are driving a new taxi, taxi breakdown cover may already be included by the car manufacturer for the first few years.

MultiQuoteTime Ltd Does not recommend any insurance companies. Services offered by this provider may change over time. Always check Ts&Cs. The information contained on this webpage is for editorial purposes only and not intended as financial advice

Updated: 26 Feb 2025
Reviewed by Eamonn Turley Insurance Expert