Do I need public liability insurance as a taxi driver?
It is not always a legal requirement, but many councils expect it and it protects you against passenger or third-party injury claims. Most drivers add it to their taxi policy.
Why public liability matters
Your motor insurance covers injury and damage arising from an accident, but public liability covers claims that fall outside driving, for example a passenger slipping as they get in, or tripping over luggage you've handled.
Whether it's mandatory depends on your local council's licensing conditions, so check your authority's rules. Even where it's optional, it's worth having because:
- Injury claims can be costly to defend
- Some operators and account contracts require it
- It can be bundled cheaply with your taxi policy
When you compare taxi insurance, look for quotes that let you include public liability so all your cover sits in one place.
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How much public liability cover do taxi drivers need?
Levels commonly range from 1m to 5m. Check whether your council or operator sets a minimum.
Does public liability cover damage to the passenger's belongings?
It can cover third-party property claims, depending on the policy wording. Always confirm the details before relying on it.
Is public liability included automatically in taxi insurance?
Not always. It's often an optional add-on, so check whether your quote includes it.