Substitute Vehicle (Taxi) Insurance

Our Substitute Vehicle (Taxi) Insurance provides a replacement taxi in the event that the policyholder's taxi is stolen and not recovered, written off or rendered undriveable as a result of a road traffic accident where the policyholder was not at fault, and in the event that of breakdown (subject to restrictions regarding the vehicle's age and mileage).  The policy provides cover for up to seven days' hire of a replacement taxi.

 

Benefits of cover

This policy will cover up for up to seven (7) days' replacement taxi hire in the event that the policyholder's vehicle:

  1. Is stolen and not recovered;
  2. Is involved in a road traffic accident where the policyholder is found to be at fault, or is subject to malicious damage, which renders the policyholder's vehicle undriveable;
  3. Is involved in a road traffic accident where the policyholder is found to be at fault and as a direct result of the damage sustained the policyholder's motor insurers decide that the vehicle is a total loss;
  4. If the policyholder's vehicle is under five years of age and has covered less than 200,000 miles: a replacement vehicle will be supplied in the event of breakdown which causes the policyholder's vehicle to be undriveable for a period of 48 hours or more.

If the insured's vehicle is under five years old and has covered less than 200,000 miles the policy will cover up to two claims in any one period of insurance.

If the insured's vehicle is between five and 10 years old and has covered between 200,000 and 400,000 miles the policy will cover one claim in any one period of insurance.

Vehicles that are over 10 years old or have covered more than 400,000 miles are not eligible for cover under this policy.

Vehicle eligibility requirements

The policy will not cover:

  • Any vehicle that has not been maintained in a roadworthy condition in accordance with the manufacturers recommendations; does not have an valid MOT; is driven without the appropriate licence required by law; or is not insured in accordance with the legal requirements;
  • Any vehicle that is over 10 years of age;
  • Any vehicle that has covered over 400,000 miles.

Please refer to the key facts document and policy wording below for the full terms and conditions of our Tax Enquiry Insurance policy.

Premiums

The premium applicable for our Substitute Vehicle (Taxi) Insurance product is £59.36 inclusive of 6% Insurance Premium Tax.

Sample policy documents

Only £68.31

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