Taxi insurance for drivers with convictions or claims

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Compared to the average motorist, taxi drivers spend more time on the road and are therefore more likely to be involved in a road traffic accident. If you have to add claims or convictions to your existing policy then you may find yourself with a much higher premium to pay at renewal. Luckily you can still get a good deal when shopping for taxi insurance for drivers with convictions or claims. There are some insurers which specialise in providing cover for high risk drivers. And there are a few things you can try to reduce the amount you pay.

Why is Taxi Insurance more expensive for drivers with claims or convictions?

Insurers calculate premiums based on risk. If you’re an experienced driver with a good no claims history then you’ll get the most competitive quotes. However, if you have a history of convictions or claims, even if you weren’t at fault, then you might end up paying more. This is because the insurer sees you as a high risk driver who is more likely to claim in the future.

How many taxi drivers have claims or convictions?

Around 24% of taxi drivers have made a claim in the last five years. Another 13% have convictions. Speeding offences are the most common offence for convicted taxi drivers, account for about 64% of all offences.* 

What claims and convictions do I need to declare?

When you get a quote you’ll need to declare any motoring convictions you’ve had in the last 5 years. This includes claims you’ve made on other policies, or whilst driving other vehicles. You’ll also need to know your current no claims bonus.

If you have any motoring convictions you’ll need to declare them too, even if you did not get any points added to your licence. Again, this includes convictions you’re received whilst driving other vehicles. Finally, you’ll need to declare any non-motoring convictions in order to get quotes. Remember to be as accurate as you can. Giving incorrect or false details may invalidate your policy.

How can I get cheaper taxi insurance?

If you have claims or convictions then you may find yourself paying more for insurance, particularly at renewal. The easiest way to save money is to compare taxi insurance quotes online. It only takes a few minutes and could save you money. You could also try these ideas:


Most modern vehicles come with alarms and immobilisers fitted as standard, but there are a range of after-market security devices you can add which may help you get cheaper quotes. Some insurers will offer discounts to taxis fitted with a dashcam or internal CCTV system.


Where you keep your vehicle overnight can affect the price you pay for insurance. If possible try to store your vehicle in a locked garage or compound when it’s not in use.

Additional drivers

Adding an experienced named driver to a policy can sometimes reduce the amount you pay. Some insurers will require the named driver to also be a taxi driver. If you’re not sure, check with the insurer before you purchase the policy.

Buy in advance

If you leave insurance to the last minute then you might end up paying more. Statistically, the earlier you buy your insurance, the less you are likely to pay. So don’t delay!

Taxi insurance for drivers with claims or convictions doesn’t have to cost a fortune. If you shop around then it is likely that you’ll be able to find an insurer which is able to provide a quote.