Taxi Public Liability

If you are an owner driver, you need to consider purchasing additional Public Liability insurance to cover your legal liability against damage or injury to third parties that is not covered by your motor insurance policy. 

Cover is needed where assistance is given to the passenger in person (ie. escorting school children to the school gates, or helping with luggage away from your vehicle).

This additional cover is not to be confused with 'passenger liability' which would only cover you against loss or damage caused by a motor accident, and is covered automatically by any motor insurance policy.

Some licencing authorities are now insisting that you have additional public liablity cover in place. All will insist upon it if you have council contracts (school runs etc). Some are satisfied with £5 million cover, but a few insist on £10 million. All that require such insurance will ask you to prove cover is in force before offering / renewing a contract with you.

However, some public/private hire motor insurance policies automatically cover this additional public liability insurance at no extra charge - so purchasing an additional policy could be a waste of time, and a waste of money. If you are unsure, either speak to your current broker/insurer or telephone us on 01353 775114and we'll be happy to assist you.

Price List (from)

If you have employees working for you then you must also purchase employers liability cover - by law. This can be added to your public liability policy for a small additional premium. Contact us for a quotation or to arrange cover.