- Roadside repair of your vehicle in the UK when you breakdown more than ¾ mile from your home.
- If repair isn’t possible within 60 minutes, your vehicle, you, and any passengers will be transported to the nearest open garage that is within 20 miles of your breakdown location.
- If recovery to the nearest garage isn’t possible or the repair cannot be made the same day, your vehicle, you and the passengers will be transported to a chosen destination within 20 miles of the breakdown location.
- Any trailers or caravans attached to your vehicle will also be recovered.
- Cover for misfuelling up to £250 to fund draining the incorrect fuel and fuel replacement up to 10 litres.
- Key cover to transport you to a garage or dealership if you lose or break your keys.
Breakdown insurance For Taxi Drivers (Hire & Reward)
Get a quoteWhat is Hire and Reward Breakdown insurance?
If you experience a punctured tyre, engine malfunction, or electrical problem while on the road, it can quickly become a stressful situation, particularly if your car is essential for your day-to-day life. However, with Breakdown insurance for Taxi Drivers, you can alleviate some of the anxiety breakdowns cause by ensuring there’s a trained professional on hand to try to fix your vehicle and get you back on the road. Alternatively, if immediate repair isn’t possible, you’ll be transported to the nearest garage or to your home.
We offer multiple levels of cover, so you can find the right policy for your needs, from nationwide assistance to cover for trips to Europe.
Get a quoteWhat you need to know Breakdown Cover for Taxi Drivers
Breakdown Insurance for Taxi Drivers comes in multiple levels.
Find out more details here.
- All the benefits covered by Standard Recovery with additional nationwide recovery.
- Vehicle recovery if you are deemed medically unfit to drive.
- Financial cover for overnight accommodation or alternative travel options is offered as an alternative to recovery.
- Everything covered by National Recovery, plus cover to repair your vehicle at home or within ¾ mile from home.
- Repair and recovery in both the UK and within Europe.
- All cover in the UK is the same as those under National Recovery. However, cover in Europe differs.
Cover benefits in Europe:
- Roadside assistance to repair your vehicle.
- Reimbursement of up to £150 if your vehicle needs to be towed to a safe place following a motorway or public road breakdown.
- If repair isn’t possible within 60 minutes, your vehicle, you, and any passengers will be transported to the nearest open garage.
- If same-day repair is not available, you’ll receive financial compensation for alternative transport (up to £500) and/or emergency accommodation (up to £1,000 per breakdown) while your vehicle is repaired.
- Suitable cover if your breakdown occurs towards the end of your trip when there is not sufficient time to repair the vehicle.
- All the benefits provided by European Recovery plus cover to repair your vehicle at home or within ¾ mile from home.
Our policy doesn't cover:
- Breakdowns occurring during the first 48 hours of your policy start date, or within 48 hours of cover being upgraded from a lower cover level.
- Breakdowns caused by failure to maintain the vehicle and ensure it’s in a roadworthy condition.
- Vehicles that are untaxed or uninsured are not covered.
- Standard Recovery will not cover recovery costs in respect to a recovery further than 20 miles.
- If you have requested a callout from one of our roadside agents within the previous 28 days, any faults or symptoms from faults which were made known to you will not be covered.
Other exclusions apply, see terms and conditions for full details.
Get a quoteSuitable For
- Taxi Drivers.
- Those with a vehicle up to 15 years old.
- Those with light commercial vehicles up to 10 years old.
Not Suitable For
- Vehicles weighing over 3,500kg.
- Those driving a minibus, motorhome, horsebox or limousine.
- Those planning European trips exceeding 90 days.
Frequently Asked Questions
Hire and Reward breakdown insurance is an insurance policy that covers you for motor breakdowns while using your vehicle as a taxi. With this type of cover, if your taxi breaks down, a trained professional will be sent out to get you back on the road or, if this is not possible, to transport you to your home (within 20 miles) or the nearest garage.
When it comes to our insurance policies, we hope you’ll never need to make a claim. But, if you do, our Taxi Breakdown insurance gives you peace of mind that you won’t have to pay a large sum of money out of your pocket if you do break down.
To find out whether or not your standard motor policy covers breakdowns you’ll need to take a look at your policy documents. However, typically, a standard policy won’t cover breakdown recovery; you’ll generally only be covered for costs and compensation for damage or injury caused by an accident.
So, for the most part, to benefit from repair or recovery in the event of a breakdown, you’ll need breakdown cover.
Yes, Hire and Reward Breakdown insurance does include replacement of punctured tyres (as long as you’re carrying your legally required spare).
No, roadside assistance is not the same as breakdown cover. Rather, roadside assistance is a more basic form of breakdown cover that only sends someone out to the scene of the breakdown to try to repair your vehicle and usually does not include recovery.
Unfortunately, not. Our policy only covers breakdowns that occur independently of an accident.
Yes, as long as you purchase one of our ‘Plus’ policies. Our National and European Plus policies cover within ¾ of your home address. However, lower levels of cover will only assist you if you break down more than ¾ of a mile from home.
Our standard policy covers you in the United Kingdom, the Channel Islands and the Isle of Man.
If you have chosen European or European Plus, your cover is also valid in the countries listed under the definition of “Territorial Limits (Europe)” which can be found in the Definitions section at the end of the Policy Document.
With our policy, you can opt for a low or zero-excess option.
However, it's important to note that the cost of your excess will depend on the policy options you choose and if you opt for no excess this will increase your premiums.
Other cover for Taxi Drivers
GAP insurance For Taxi Drivers
If your car is written off, GAP insurance can assist you to get back out to work as quickly as possible, by covering the difference between your motor insurer's Total Loss valuation of your vehicle and either the original invoice price you bought your vehicle for or, if greater, the amount outstanding on finance at the time of claim.
Read more about GAP insurance for Taxi Drivers
Scratch and Dent insurance For Taxi Drivers
Scratches and dents don't just impact the professional appearance of your vehicle; they can also increase the risk of corrosion and diminish the resale value of your car. With Scratch and Dent Insurance for Taxi Drivers, superficial damage to your car's exterior can be conveniently rectified to maintain your vehicle's professional look.
Read more about Scratch & Dent insurance for Taxi DriversOther types of Breakdown insurance
Breakdown insurance For Driving Instructors
There’s never a good time for your car to break down, but if your vehicle is key to your livelihood, there’s additional stress that comes with it. Breakdown Insurance for Driving Instructors will ensure that if you break down there’s a trained professional on hand to get you back on the road as quickly as possible.
Read more about Breakdown cover for Driving Instructors
Breakdown insurance For Private Vehicles
You can’t guarantee that you won’t break down, but you can guarantee that, if you do, you’ll have cover in place. Depending on the level of cover chosen, with our breakdown insurance, you get help with your vehicle when you need it most. If you break down, you can rest assured there’s a trained professional on hand to try to fix your car.
Read more about Breakdown cover for Private Vehicles