The price of taxi insurance is a topic that worries every driver working in the transport industry.
Insurance policy costs can be much higher than in the case of private cars – the risk associated with transporting passengers and intensive use of the vehicle significantly affects the amount of the premium.
Find out what exactly determines the price of taxi insurance, what protection options are available on the market and how to wisely choose a policy that will guarantee peace of mind for you and your passengers. Find out how to reduce costs and avoid surprises when renewing your policy!
Find out how much taxi insurance costs
Today, in a world where public transport plays a key role, the question "How much does taxi insurance cost?" is becoming increasingly important for many drivers.
Taxi insurance is not only a legal requirement , but above all an important financial protection - for both the driver and passengers. It is worth understanding what affects its cost and what options are available on the market.
As technology and the insurance market evolve, taxi drivers have more and more options to tailor their policies to their individual needs.
Have you ever wondered how changing regulations and innovations may impact the future of taxi insurance?
This question is becoming more and more relevant in the face of dynamic changes in the transport industry.
What is taxi insurance?
Taxi insurance is a specific form of protection, essential for anyone who earns their living as a taxi driver.
Unlike standard car policies, it takes into account the unique risks associated with transporting passengers and intensive use of the vehicle.
For this reason, its cost and scope may differ significantly from typical car insurance.
The basis of every taxi driver policy is taxi third party liability insurance , which is mandatory and protects against third party claims in the event of an accident.
In addition, you can extend your protection to include:
AC taxi insurance – protects against own damages
Taxi NNW insurance – protects the driver and passengers in the event of accidents
Assistance taxi insurance – provides roadside assistance in the event of a breakdown
Choosing the right taxi insurance is a key step in ensuring the safety of both you and your passengers.
Have you ever wondered what additional benefits voluntary insurance policies can bring to your business?
Mandatory taxi liability insurance – what does it cover?
Compulsory taxi liability insurance is the foundation of every taxi driver policy. Its main purpose is to protect against the financial consequences of damage to third parties as a result of an accident.
Due to the specific nature of a taxi driver's work, who uses the vehicle and transports passengers more often, taxi liability insurance premiums are usually higher than for private cars.
Taxi liability insurance covers:
costs of repairing damage to vehicles of other road users
any claims by passengers regarding health damage
This is not only a legal requirement, but above all, protection against unforeseen expenses that may result from a collision.
Lack of mandatory third party liability insurance for taxis may lead to serious legal and financial consequences.
What other aspects should be taken into account when choosing the right third party liability insurance for a taxi?
Voluntary AC taxi – what is worth knowing?
Voluntary AC taxi insurance is an option worth considering if you want to provide yourself with additional protection. This policy covers your own damages that may occur as a result of a collision, theft or the forces of nature.
Due to the intensive use of the vehicle, AC taxi premiums are higher than for private car users.
By choosing AC taxi insurance, you gain the certainty that in the event of unforeseen events, such as an accident or vehicle damage, you will not have to cover the full repair costs from your own pocket.
This is especially important in the taxi industry, where every day of downtime can mean lost revenue.
When choosing AC taxi, it is worth paying attention to:
scope of protection
possible exclusions of liability
additional services such as glass insurance or towing
Taxi NNW – driver and passenger protection
Taxi personal accident insurance is a voluntary policy that provides protection to both the driver and passengers in the event of an accident.
In the event of a health impairment, this insurance covers medical treatment costs and may also provide compensation for permanent bodily injuries.
In the taxi industry, where the risk of collision is higher due to the intensive use of the vehicle, taxi NNW becomes an important element of protection.
With this policy, both the driver and passengers can feel safer knowing that in the event of an accident they will receive the necessary financial assistance.
What other benefits could having this policy bring to your business?
Assistance taxi – additional help on the road
Assistance taxi insurance is an additional policy that offers support in the event of a breakdown or accident on the road. Thanks to it, taxi drivers can count on roadside assistance, towing of the vehicle and even a replacement vehicle, which is extremely important when downtime means loss of income.
Assistance taxi is not only comfort, but above all protection against unforeseen situations that may affect the continuity of work.
In a dynamically changing transport environment, having Assistance taxi insurance can be crucial to staying competitive in the market.
What determines the price of taxi insurance?
The cost of taxi insurance depends on many different factors that can significantly affect the final price of the policy. Understanding these elements is key to ensuring that every driver can optimize their expenses.
Let's take a closer look at what really affects your taxi insurance premium.
Annual taxi mileage and premium amount
One of the key factors that influences the cost of insurance is the annual mileage of the vehicle . Taxis, due to intensive use, can cover up to 80,000 km per year .
Such high mileage means a greater risk of breakdowns and accidents, which directly translates into higher premiums. Insurers are well aware that more frequent use of a vehicle increases the likelihood of damage, which affects the cost of the policy.
Taxi driver age – how does it affect the cost?
Driver age is another important factor that affects the price of insurance. Younger drivers with less driving experience often have to pay higher premiums.
Insurers perceive them as more risky because statistically accidents are more common in this age group.
Older, more experienced drivers, on the other hand, may be able to count on lower premiums because their greater caution and experience on the road works to their advantage.
Taxi driver's city of residence - price differences
The driver's place of residence also has a significant impact on the price of insurance. Drivers from large cities , where traffic is more intense and the risk of collisions is higher, must expect higher premiums.
However, in smaller towns , where traffic intensity is lower, premiums may be lower.
Insurers take these differences into account to better reflect the risks associated with the location where a taxi is most frequently used.
How much does taxi insurance cost in 2025?
The year 2024 brings many changes to the insurance market, and taxi drivers must take into account various costs related to protecting their vehicles.
In this part, we will take a look at sample prices of third-party liability and comprehensive insurance for taxis, which may significantly differ from those paid by private car owners.
Example prices for third party liability taxi insurance
The cost of third-party liability insurance for taxis is usually higher than for private cars. Why? It's simple - the higher risk of accidents and passenger claims that are an inherent part of working in transport increases rates.
In 2025, the prices of third-party liability insurance for taxis may be as much as 50 to 300% higher than for regular passenger cars. This is a significant difference, which reflects the intensive use of vehicles in the daily work of a taxi driver and the growing loss ratio.
Example prices for AC taxi
As with third-party liability insurance, AC insurance for taxis also involves higher costs. In 2024, AC prices may be two or three times higher than for private cars.
Why? Intensive vehicle use and the greater risk of damage that may occur during everyday operation are key factors here.
For many drivers, choosing the right AC insurance is a guarantee of peace of mind and financial stability in the event of unforeseen events.
Average prices of third party liability insurance in Poland in 2024
Average price of third party liability insurance : At the beginning of 2024, it amounted to PLN 575 on average, which is an increase of 17.3% compared to 2023.
Price comparison in voivodeships :
• The cheapest third party liability insurance: Świętokrzyskie Voivodeship – around PLN 542
• The most expensive third party liability insurance: Pomeranian Voivodeship – around PLN 821
Examples of offers from insurers
The cheapest third party liability insurance - insurance companies ranking
TU Europa : on average 700 PLN
Fitcasco : on average 700 PLN
Wiener : offers around 700 PLN
Third party liability insurance prices depending on the vehicle type
Vehicle type Average price of third party liability insurance
Electric cars 603 PLN
Petrol cars 1160 PLN
Cars with LPG installation PLN 644
Hybrid cars 616 PLN
The most important factors influencing the amount of third party liability insurance premium
1. Age of the driver
Young drivers, especially when buying their first policy, can pay up to PLN 873. Experienced drivers, who have long-term discounts, can get premiums below PLN 400 .
2. Fuel type
Electric car insurance is the cheapest, while LPG and petrol vehicles generate higher insurance costs.
3. Place of residence
There are significant differences between cities. For example, in Gdańsk the average price of third party liability insurance is around PLN 993 , while in Wrocław it is PLN 945 .
How to reduce taxi insurance costs?
In today's reality, when the costs of running a taxi business are constantly rising, many drivers are looking for ways to find the cheapest taxi insurance .
Fortunately, there are several proven methods that can help you lower your premiums while still providing adequate protection. Let’s take a look at how to effectively manage your insurance costs without sacrificing safety.
Taxi liability insurance calculator – how to compare offers?
One of the simplest and most effective tools for finding a good deal is the taxi insurance calculator . Thanks to it, you can quickly compare different offers available on the market.
All you need to do is provide the details of your vehicle and yourself as the driver, and the OC/AC calculator will generate a list of offers tailored to your needs. What's more, many insurance companies allow you to buy taxi insurance online , which further simplifies the whole process.
Provide vehicle and driver details.
Compare offers generated by the OC/AC calculator.
Choose a policy that meets your expectations.
Buy insurance online and save time.
Buying taxi liability insurance online is a really convenient solution, especially for busy drivers. You save time, and at the same time you have the certainty that the policy you choose meets all legal requirements and your expectations.
Taxi insurance discounts and promotions
Another way to reduce costs is to take advantage of available discounts and promotions on taxi insurance . Many companies offer discounts for loyal customers and for those who decide to buy a policy online.
It is also worth paying attention to seasonal promotions, which can significantly reduce the premium amount.
Discounts for loyal customers
Seasonal promotions that reduce premiums
No-claims discounts for experienced drivers
Dealer Package
insurance by leasing
Possibility of negotiating terms with the insurer
Some insurance companies also offer claims-free discounts, which are particularly beneficial for experienced drivers who have been driving accident-free for years.
Regularly monitoring available offers and negotiating the terms with your insurer can result in additional savings.
What about the future? What innovative solutions might emerge to make it even easier for taxi drivers to manage their insurance costs? This question remains open, but one thing is certain – the insurance market is constantly evolving, offering new possibilities.
Taxi fleet insurance – is it worth it?
The decision to insure a taxi fleet is a key step for owners of transport companies who manage multiple vehicles. Taxi fleet insurance can provide significant savings compared to purchasing separate policies for each car.
This is not only a way to reduce costs, but also to simplify management – all vehicles are covered by one contract, which makes it much easier to control insurance.
It is worth considering whether such a solution will be beneficial for your company. What benefits can taxi fleet insurance bring in the context of cost optimization and risk management? Is it a way that will allow you to better control your expenses and minimize financial risk?
What does taxi fleet insurance cover?
Taxi fleet insurance is a comprehensive policy that can provide a variety of forms of protection for all vehicles in your company.
Primarily it includes:
Taxi third party liability insurance – mandatory, protecting against third party claims.
AC taxi insurance – protection against own damages.
Taxi personal accident insurance – protecting the driver and passengers in the event of an accident.
Such a policy allows you to obtain more favorable pricing conditions, which is especially important when you manage a larger number of vehicles.
This gives you greater control over your expenses and you can sleep soundly, knowing that your fleet is properly secured.
What else should you consider when choosing taxi fleet insurance? Are there additional options that can increase the level of protection?
Examples of Fleet Insurance Costs
Taxi fleet insurance costs can vary depending on several factors, such as:
Number of vehicles.
Value of vehicles.
Scope of protection.
For example, if you have a fleet of ten vehicles, the cost of insurance could be significantly less than the sum of individual policies for each vehicle. Insurers often offer discounts for larger fleets, which can save you significant money.
It is also worth considering negotiating the terms of the contract, which can further reduce costs.
Have you considered what strategies can help you achieve even better financial conditions for your fleet? Maybe it is worth consulting an insurance advisor to find the optimal solution?
Why does taxi insurance cost so much?
In today's rapidly changing world, where transportation plays a key role, the question "How much does taxi insurance cost?" is becoming increasingly important.
Taxi insurance is not only a legal obligation, but also an important form of financial protection – for both the driver and passengers. It is worth understanding what affects its price and what options are available on the market.
As technology and the insurance market evolve, taxi drivers have more and more options to tailor their policies to their individual needs. Changing regulations and innovations could significantly impact the future of taxi insurance, making this question more relevant than ever.
Additional policies for taxis
In the taxi industry, where vehicles are used intensively, additional insurance policies can be invaluable. Additional taxi insurance is not only a way to increase protection, but also to protect yourself against unforeseen costs that may result from accidents or breakdowns.
Here are some examples of additional policies that may be available to taxi drivers:
Mechanical breakdown insurance – protects against costly vehicle repairs.
Personal Accident Insurance – provides protection in the event of accidents that may affect the driver or passengers.
Assistance – offers help in the event of a breakdown, accident or other problems on the road.
GAP Insurance – protects against the depreciation of your vehicle, which we will discuss in more detail below.
Choosing the right additional policies can be crucial to ensuring full protection for both the driver and passengers. Wondering which additional policies are best suited to your business?
GAP taxi insurance - protection of the vehicle value
GAP insurance for taxis is a specialist policy that protects against loss of vehicle value. In the event of theft or total loss, this insurance covers the difference between the market value of the vehicle and the remaining lease or loan installments.
This is especially important for taxi drivers who often use leased vehicles, where the value of the vehicle can change quickly.
By opting for GAP insurance, taxi drivers gain the certainty that in the event of an unforeseen event, the financial burden will not fall on their shoulders. This solution, although voluntary, can prove invaluable in situations where the value of the vehicle depreciates faster than expected.
Here are some key benefits of having GAP insurance:
Protection against vehicle depreciation.
Covering the difference between the market value and the remaining leasing or loan installments.
Peace of mind in the event of theft or total loss.
Taxi leasing insurance – what do you need to know?
In the case of leased taxis, leased taxi insurance is not only recommended but often required by lessors.
This type of insurance usually includes a full package of policies, including:
OC (Civil Liability)
AC (Auto Casco)
NNW (Consequences of Accidents)
Assistance
GAP (Gas Protection)
This gives drivers peace of mind knowing their vehicle is protected on multiple levels. Lease providers often require GAP insurance to protect against financial loss in the event of theft or total loss.
For taxi drivers, this means additional peace of mind because in the event of unforeseen events they will not have to worry about covering the difference between the market value and the remaining leasing installments.
What other aspects are worth considering when choosing insurance for a leased taxi? This could be, for example, additional protection against mechanical failures, which will provide even greater safety.
Penalties for lack of taxi third party liability insurance – what are the risks for taxi drivers?
In Poland, the lack of mandatory third party liability insurance for taxis has serious consequences. First of all, drivers without valid third party liability insurance risk heavy financial penalties. Third party liability insurance is not only a legal requirement, but also a key protection against third party claims in the event of an accident.
Lack of third party liability insurance can lead to serious financial problems, as the costs of repairing damage can be very high. What's more, lack of insurance can result in the driver being entered into the register of debtors, which can make it difficult to obtain loans in the future.
That is why it is so important for every taxi driver to regularly check the validity of his insurance policy and avoid the risks associated with its absence.
Increase in penalties for lack of third party liability insurance in 2025 – up to PLN 9,250 for owners of passenger cars
From January 2025, the minimum wage will increase to PLN 4,626 gross. This change will also entail higher penalties for drivers who do not purchase mandatory third-party liability insurance. The highest penalty for owners of passenger cars will be PLN 9,250.
How are penalties for lack of third party liability insurance calculated?
The amount of the penalty for not having third party liability insurance depends on the minimum wage and the length of the break in the continuity of the policy. In the case of passenger cars, the penalty can reach 200% of the minimum wage, or PLN 9,250, if the lack of insurance lasts longer than 14 days.
Breaks of up to 14 days and those lasting a maximum of 3 days are subject to correspondingly lower penalties:
Up to 3 days: PLN 1,850 (previously PLN 1,720)
From 4 to 14 days: PLN 4,626 (previously PLN 4,300)
Above 14 days: PLN 9,250 (previously PLN 8,600)
For other vehicles, such as trucks, buses or motorcycles, different rates are provided. The highest penalty for lack of third party liability insurance for trucks and buses will be PLN 13,878, and for motorcycles - PLN 1,542.
When is third party liability insurance not automatically extended?
Usually, OC is renewed automatically for another year, but there are exceptions. For example, if we buy a used car, the OC purchased by the previous owner will not be extended automatically.
The lack of an active policy in such a situation may result in a penalty, so it is worth making sure that your third party liability insurance has been renewed.
Possibility of paying the fine in installments
If the Insurance Guarantee Fund (UFG) imposes a high fine, the driver may apply for it to be paid in installments or for partial cancellation. The application in this matter should be submitted directly to UFG.
Where to buy the cheapest taxi insurance?
In today's world, when every penny counts, many taxi drivers wonder where to find the cheapest taxi insurance . But is price everything?
Choosing the right policy is not just about cost. The scope of coverage is equally important, providing you with peace of mind on the road. Let's look at the options available to drivers who want to optimize their insurance costs without sacrificing the quality of coverage.
There are many offers available on the market, which differ in both price and scope of protection. Thanks to modern tools, such as OC/AC calculators , you can quickly compare different offers and choose the one that best suits your needs.
But is price the only factor worth considering? What else can influence the choice of the best taxi insurance?
The best taxi insurance deals online
In the digital age, more and more insurance companies offer online taxi insurance . This is an ideal solution for busy drivers, because the process of buying a policy becomes faster and more transparent. A few clicks and you can compare offers, choosing the one that best meets your expectations.
Online OC/AC calculators allow you to enter vehicle and driver data, and then generate a list of offers tailored to your needs. This not only saves time, but also money, because you can often find discounts and promotions available only online.
Have you ever wondered what other benefits purchasing taxi insurance online can bring?
Speed and convenience – the entire process takes place online, without the need to visit the office.
Savings – access to special promotions and discounts that are not available in traditional sales channels.
Transparency – the ability to compare offers from different companies in one place.
Flexibility – the ability to adapt the policy to individual needs.
Taxi insurance in insurance companies (Allianz, Link4, Uniqa)
Choosing the right insurance company is a key decision for every taxi driver who wants to ensure full protection for themselves and their passengers.
Companies such as Allianz, Link4 and Uniqa offer a variety of taxi insurance options that can be tailored to individual needs.
Comparing offers from different insurance companies is key to finding a policy that best suits your needs and budget.
What other factors should you consider when choosing taxi insurance from an insurance company?
Scope of coverage – make sure the policy covers all the necessary elements, such as third party liability insurance, comprehensive insurance, personal accident insurance and assistance.
Contract terms – check if the contract is flexible and tailored to your needs.
Customer service – choose a company that offers quick and efficient contact when needed.
Opinions of other drivers – it is worth getting acquainted with the experiences of other taxi drivers who have used the services of a given insurer.
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