Compare Private Hire & Taxi Insurance NI

Easy payment options available, NI taxi Insurance, Compare providers for Northern Ireland Taxi and Private Hire insurance

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Cheap Taxi Insurance, Northern Ireland (NI)

Last Review Jan 2024 by Insurancequotesni Editorial Team

" When it comes to taxi driver insurance, no one package fits all, most taxi drivers will have as set of unique requirements. Providers of this type of cover are experienced in tailoring polices to your needs, simply share your requirements ."  Eamonn Turley Founder of insurance quotes NI

Taxi insurance NI is required by law and can be expensive as being on the road for long periods of time makes you the driver a higher risk to any perspective insurance company. The higher risk is based on statistical evidence and is used by the underwriters in determining the premium level for taxi insurance in Northern Ireland   

Both taxi owners and operators here in Northern Ireland face many unique challenges when it comes to running a successful business. One of these many challenges is obtaining the correct NI taxi Insurance at the best price. 

Taxi Insurance NI

Finding taxi Insurance companies that provide affordable public hire, black taxi, or private hire insurance policies in Northern Ireland can most definitely be done. With just a few clicks, we can provide you with competitive taxi insurance quotes from a select panel of specialist insurance providers. These specialist are able to tailor the policy to match your unique requirements, hopefully offering you a fully tailored quote at the best price.

How much does Belfast Taxi Insurance NI cost?

The cost of Taxi insurance policy will vary according to your specific requirements in terms of cover needed, the vehicle to be insurance and the history of the driver in regard to frequency of making claims. There are different degrees of risk that need to be taken into consideration, such as the amount of mileage that you drive, and the hours that you work. The more hours you operate, the risk of having an accident increases, and the broker will take this into account when working out the final taxi insurance premium.

What is the difference between NI public hire and private hire insurance

  • Private hire :  (Minicabs, Chauffeur and Uber)  is the most popular product and accounts for the most taxi policies sold in Northern Ireland. Basically this is a pre booked taxi service, you call them or book them via an app, and they come and pick you up. Alternatively, you can pop into their depot and the operator will book you with the next available taxi. A good example of a private hire vehicle would be a mini-cab. The fact that customers need to pre-book a mini-cab, is the main difference between them and public hire vehicles.
  • Public hire : (Black Cab or Hackney Carriage in the UK ): This is less common in Northern Ireland, but can be found in Belfast and Derry and most large cities. Taxis that are insured under public hire can be hailed by you on the street. No need to prebook, but you may have a long wait and if late in the evening it can be even more difficult to find a free taxi.

What Levels of NI Taxi Insurance are Available

Similar to personal car insurance, taxi insurance can come in three levels.

  • Third party : This is considered the most basic type of insurance there is, and is required by law to be carried by all vehicles that operate on public roads, including private passenger cars. 
  • Fully comprehensive : Should the driver be at fault, this type of cover will not only pay for the damage to others, but theirs as well. Policies vary, but some providers will allow for a replacement vehicle for a certain period of time.
  • Third party with Fire and Theft : This covers the third party plus provides you with cover for theft and fire damage.

How can I Reduce the Cost of Taxi insurance NI?

  • Drivers: Make sure that your drivers have a clean licence and, if possible, hire only drivers that are over 25. Underage of under 25 taxi drivers will result in you paying a higher premium to cover additional risk.
  • Insurance Excess: This is the amount that you will be liable for in the event of a claim. If possible, consider increasing this with the proviso that the broker gives you a lower premium.
  • Black Box : Using technology to show that you or your drivers are safe drivers can also reduce your annual taxi insurance premiums.
  • Safe parking: When your tax is not in use, can you provide safe overnight parking?
  • Pay as you Go : If you only provide a taxi service part time, consider a pay as you go taxi insurance policy. This type is in growing demand with the advent of delivery apps. Zego insurance now provides this type of policy to its drivers.

What Information is Required for Taxi Insurance Quotes?

Getting multiple quotes for comparison is easy, buy you will need the following information to hand. 

  • Region or Post Code: Providers use this information as part of the risk calculation, example operating a taxi service in Belfast would pose higher risk than providing a service in the Armagh region. 
  • Expected Annual Mileage :  The cost of taxi insurance will be impacted by your mileage, if you clock up a lot of miles you may require an unlimited mileage policy, but if your mileage is not excessive you can take advantage of lower rates, but you must adhere to any agreed limits. For seasonal or occasional private hire drivers, a pay as you go taxi policy may be the best solution.
  • Taxi Driver Practical Test : Proof that you are qualified to drive a taxi.
  • Vehicle Details : Car Registration

Named Driver Taxi Insurance Northern Ireland

Getting the best rate will depend on who is going to be driving the taxi. As is the case with owner-operators, there is only one driver. If this is the case for you, then named-driver insurance may very well be appropriate.

Any-driver Taxi Insurance

Many times, a taxi is owned by a company, and is driven by many people. For this, all-driver or any driver Insurance is usually the best bet. This type of taxi insurance policy has the added advantage of enabling you to add drivers with little or no advance notice. This can be useful should one of your drivers become ill, and you need to fill his/her spot with another.

Public Liability Insurance NI

This type of cover should also be considered. Any business that interfaces with the public as part of their business will be open to claims made by the public. These claims are not uncommon and are costly to defend, and should you be found liable the payouts can be substantial.  Please review our guide to public liability insurance for further information on this type of cover. Whether you own the taxi yourself, or are just an operator, public liability insurance NI will offer monetary protection up to the limit of the policy should the affected party decide to sue the driver.

Taxi Cover Available in all Parts of Northern Ireland

We have partnered with QuoteZone, The panel of brokers can provide taxi insurance quotes for taxi and private hire drivers in any part of NI including Belfast, Portadown, Lurgan, Newry, Carrickfergus, Derry, Coleraine, Ballymena, Newtownards, Lisburn, Bangor, Craigavon, Cookstown, Downpatrick, Strabane, Enniskillen, Larne, Down, Holywood, Omagh, Fermanagh, Dungannon, Londonderry, Castlereagh and everywhere else!

Which Insurance Companis Specilaise in Taxi Insurance Quotes?

Most insurance companies now offer taxi cover, but specialist do exist and these include Riviera Taxi Insurance, Haven and Milestone to give just a few examples,

Compare NI Taxi Insurance Quotes

Getting a range of quotes will enable you to compare the current options for NI taxi insurance and taxi fleet insurance available within Northern Ireland. Having this information should help you find the best deal for your individual taxi cab or private hire NI business.

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