We help you find the right cover
As a specialist insurance broker, we’re well versed in securing cover for unusual vehicles at an affordable price – including black cabs. Whether you like it for its iconic design or accessibility features, our policies can be tailored to your needs.
While mainstream insurers often struggle to categorise a vehicle that once had a ‘taxi’ body type listed on its logbook, we work with a specialist panel of underwriters who recognise these vehicles for being iconic and dependable private cars. Speak with us for a quote.
The benefits of getting a decommissioned taxi insurance policy with Sterling Insurance
- UK call centre
- Cover for any kind of decommissioned taxi, from the latest electric TX models to the vintage Austin FX3
- £100,000 of legal cover included with every policy
- Free European cover up to 30, 60 or 90 days
- Agreed value cover
- Like-for-like cover on modifications
- Limited mileage policies available
- Wide range of optional extras available, including breakdown cover, gadget cover, excess protect, keycare and misfuelling cover
- Monthly or yearly payments
- Claims hotline open 24/7
Agreed value cover
We can agree on the value of your decommissioned taxi at the start of the policy, so if it is involved in an accident or loss, you can claim the vehicle’s pre-agreed value rather than its current market value at the time of the loss.
All models can be covered
Whether you’ve rescued a vintage classic for weekend shows or purchased a retired modern hybrid for a unique daily commute, we provide specialist cover that recognises your taxi as a personal use vehicle, not a commercial one.
Limited mileage policies available
Using your London black cab as a second vehicle? If you drive your decommissioned taxi fewer than 7,500 miles a year, you can save money on your insurance by taking out one of our limited mileage policies. We can also offer multi-vehicle cover if you’d like to save the hassle of renewing each policy at different times. This tends to work out cheaper than taking out cover for each vehicle separately.
Up to £100,000 of legal cover included on every policy
Our legal cover is a standard feature in our insurance policies. So if you are ever involved in an accident that isn’t your fault, it can help you recover any out of pocket expenses.
Optional extras such as breakdown
When in use, taxis tend to drive a lot more miles than other vehicles, so you might worry that yours will be more prone to breakdowns. We offer a range of affordable extras to add to your policy, including breakdown cover. With this extra, we arrange roadside recovery or a reliable home repair service, whether your personal black cab breaks down in the UK, Europe or further afield.
Frequently asked questions
How much is decommissioned taxi insurance?
The cost of your black cab insurance for personal use will depend on many factors, including the model you’ve got, your driving history and how often you’ll use the vehicle.
As a general rule, classic taxi insurance tends to be more affordable than cover for a more modern model. This is because classic car owners are known to treat their vehicles with extra care and attention. That being said, policies for modern London taxis can still be very affordable, and we can sometimes see them as modern classics simply because they’re so unique.
Can I use a decommissioned taxi for personal use?
Yes, as long as you remove signage, take out suitable insurance and get it serviced regularly.
