Taxi Insurance

Taxi insurance is a particularly important insurance category, as it concerns vehicles that are used daily to transport passengers and are exposed to increased risks due to their constant traffic. In addition to mandatory coverage, taxi drivers need additional specialized benefits that ensure the smooth continuation of their professional activity.

What does taxi insurance cover?

Basic coverages (mandatory):

Third-party liability for bodily injury.
Third-party liability for material damage.
Passenger coverage in the event of an accident.

Optional coverages:

Roadside assistance and towing.
Legal protection.
Fire and natural disaster coverage.
Theft coverage (total or partial).
Breakage glass.
Mixed insurance (own damage).

Specialized coverage for taxis:

Coverage of loss of income due to immobility of the vehicle.
Provision of a replacement vehicle in the event of an accident.
Coverage of special taxi equipment (e.g. taximeter, signs).
Protection against malicious acts or vandalism.

Factors affecting the cost

The cost of taxi insurance depends on:

The type and value of the vehicle.
The number and age of drivers.
The experience of drivers and the history of damage.
The traffic area (urban or interurban routes).
The selected optional and specialized coverages.

What is needed for insurance

To insure a taxi, the following are required:

Registration license.
Professional driver's license.
Police ID or passport.
Tax number of the owner/company.
In some cases, photos of the vehicle.

Useful remarks

The correct choice of coverage protects not only the vehicle but also the income of the professional driver.
Income loss coverage and the provision of a replacement vehicle are particularly useful, as a taxi cannot be out of service for a long period of time.
The cost of mixed insurance may be higher, but it offers significant protection especially on new or high-value vehicles.
Consistency in payments and careful driving contribute to reduced premiums with the bonus-malus system.