{"id":1960,"date":"2025-06-24T14:47:15","date_gmt":"2025-06-24T14:47:15","guid":{"rendered":"https:\/\/lawebdeseguros.com\/?page_id=1960"},"modified":"2025-10-17T12:50:48","modified_gmt":"2025-10-17T10:50:48","slug":"insurance-for-metered-and-non-metered-taxis","status":"publish","type":"page","link":"https:\/\/lawebdeseguros.com\/en\/vehicle-insurance\/insurance-for-metered-and-non-metered-taxis\/","title":{"rendered":"Insurance for metered and non metered taxis"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><div class=\"vc_row wpb_row vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\">\n\t<div class=\"wpb_text_column wpb_content_element\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_80 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Contents\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #0a225d;color:#0a225d\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewbox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #0a225d;color:#0a225d\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewbox=\"0 0 24 24\" version=\"1.2\" baseprofile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/lawebdeseguros.com\/en\/vehicle-insurance\/insurance-for-metered-and-non-metered-taxis\/#Seguros_para_Taxis_con_y_sin_taximetro\" >Insurance for metered and non-metered taxis<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/lawebdeseguros.com\/en\/vehicle-insurance\/insurance-for-metered-and-non-metered-taxis\/#%C2%BFQue_cubre_un_seguro_para_taxi\" >What does taxi insurance cover?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/lawebdeseguros.com\/en\/vehicle-insurance\/insurance-for-metered-and-non-metered-taxis\/#%C2%BFEs_diferente_el_seguro_para_un_taxi_con_taximetro_y_sin_taximetro\" >Is insurance different for a metered and a non-metered taxi?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/lawebdeseguros.com\/en\/vehicle-insurance\/insurance-for-metered-and-non-metered-taxis\/#Seguro_obligatorio_para_taxis_autonomos_sin_taximetro\" >Compulsory insurance for unmetered self-employed taxis<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/lawebdeseguros.com\/en\/vehicle-insurance\/insurance-for-metered-and-non-metered-taxis\/#Comparativa_de_precios_de_seguros_para_taxi\" >Taxi insurance price comparison<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/lawebdeseguros.com\/en\/vehicle-insurance\/insurance-for-metered-and-non-metered-taxis\/#%C2%BFQue_otros_seguros_son_recomendables_para_un_taxista\" >What other insurances are recommended for a taxi driver?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/lawebdeseguros.com\/en\/vehicle-insurance\/insurance-for-metered-and-non-metered-taxis\/#%C2%BFPor_que_cuesta_tanto_encontrar_seguros_para_taxi\" >Why is taxi insurance so hard to find?<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Seguros_para_Taxis_con_y_sin_taximetro\"><\/span>Insurance for metered and non-metered taxis<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Do you have a taxi licence and are looking for insurance? Then you know that it is not an easy task. Most insurers do not include this type of vehicle in their regular offer, or consider it a special risk with higher premiums. This situation can become even more complex if your taxi does not have a taximeter. Does the coverage change? Are there legal differences? What kind of insurance do you need exactly? Let's answer all these questions.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%C2%BFQue_cubre_un_seguro_para_taxi\"><\/span>What does taxi insurance cover?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Metered or unmetered, a taxi is first and foremost a professional vehicle. That means it spends many hours on the road, transporting people, and generating daily income. That's why basic insurance is not enough: you need a product that understands the way you work.<\/p>\n<p>Compulsory insurance for taxis must include, as a minimum, Civil Liability cover. In other words, it must cover material and personal damages that you may cause to third parties while driving. This is not optional: it is required by law for any motor vehicle.<\/p>\n<p>But beyond this basic coverage, there are many additional guarantees that are worth examining:<\/p>\n<ul>\n<li><strong>Own damage cover.<\/strong><\/li>\n<li><strong><a class=\"wpil_keyword_link\" href=\"https:\/\/lawebdeseguros.com\/en\/special-insurances\/roadside-assistance\/\"   title=\"Roadside assistance\" data-wpil-keyword-link=\"linked\">Roadside assistance<\/a>.<\/strong><\/li>\n<li><strong>Driver's insurance.<\/strong><\/li>\n<li><strong>Legal protection.<\/strong><\/li>\n<li><strong>Replacement of the vehicle in the event of an accident.<\/strong><\/li>\n<\/ul>\n<p>Each case is different, so a personalised study of your needs as a taxi driver is recommended.<\/p>\n<section class=\"vc_cta3-container animacion-vc ai-play-skip\">\n    <div class=\"ai-play-skip cta_general vc_general vc_do_cta3 vc_cta3 CAT-VC vc_cta3-style-classic vc_cta3-shape-rounded vc_cta3-align-left vc_cta3-color-white vc_cta3-icon-size-xl vc_cta3-icons-left vc_cta3-actions-right wpb_animate_when_almost_visible wpb_fadeInDown fadeInDown vc_custom_canallas wpb_start_animation animated\">\n        <div class=\"vc_cta3-icons\">\n            <div class=\"vc_icon_element vc_icon_element-outer vc_do_icon vc_icon_element-align-left\">\n                <div class=\"vc_icon_element-inner vc_icon_element-color-white vc_icon_element-size-xl vc_icon_element-style- vc_icon_element-background-color-grey\" style=\"margin-right:10px;\">\n                    <!-- span class=\"fas fa-shield-alt icono-seguro\"><\/span -->\n                    <img decoding=\"async\" src=\"http:\/\/lawebdeseguros.com\/img\/logo_solo.svg\" alt=\"Logo\" style=\"width: 70px;\">\n                <\/div>\n            <\/div>\n        <\/div>\n        <div class=\"vc_cta3_content-container\">\n            <div class=\"vc_cta3-content\">\n                <header class=\"vc_cta3-content-header\">\n                    <p class=\"cta-heading h2\">Do you own a taxi? Protect your work tool<\/p>\n                <\/header>\n                <p class=\"cta_general cta-heading h3\">Take out your taxi insurance now with or without taximeter and work with total peace of mind.<\/p>\n            <\/div>\n            <div class=\"vc_cta3-actions\">\n                <div class=\"vc_btn3-container vc_btn3-inline\">\n                    <a class=\"cta_general vc_general vc_btn3 vc_btn3-size-md vc_btn3-shape-rounded vc_btn3-style-flat vc_btn3-color-green\" href=\"https:\/\/api.whatsapp.com\/send?phone=34659929495&#038;text=%C2%BFTienes+un+taxi%3F+Protege+tu+herramienta+de+trabajo\" target=\"_blank\" id=\"ga_whatsapp\" rel=\"noopener\">\n                        <i class=\"fab fa-whatsapp\"><\/i> Request for information                    <\/a>\n                <\/div>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/section>\n\n<h2><span class=\"ez-toc-section\" id=\"%C2%BFEs_diferente_el_seguro_para_un_taxi_con_taximetro_y_sin_taximetro\"><\/span>Is insurance different for a metered and a non-metered taxi?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Yes, there can be differences. Although the legal basis is the same, insurers distinguish between traditional taxis (with a taximeter) and vehicles providing similar services but without such a device. This is common in:<\/p>\n<ul>\n<li>Local or rural licensed taxis.<\/li>\n<li>Chauffeur-driven transport vehicles (VTC).<\/li>\n<li>Cars adapted for specific services without distance pricing.<\/li>\n<\/ul>\n<p>In these cases, the insurance may have different conditions. Some insurers even consider them as mixed-use or professional vehicles, but not as traditional taxis. This affects the type of coverage, the price, and even the availability of companies willing to insure them.<\/p>\n<p>That is why it is key to have expert advice that knows how to correctly interpret your situation.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Seguro_obligatorio_para_taxis_autonomos_sin_taximetro\"><\/span>Compulsory insurance for unmetered self-employed taxis<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>If you are self-employed and work with an unmetered taxi, you are also obliged to take out insurance. The regulations require that any vehicle carrying out public passenger transport must be covered, regardless of whether or not it has a taximeter.<\/p>\n<p>In this type of case, contracting is often more difficult, as many insurers do not have a specific product for this type of insurance. Some consider it an \"excluded risk\" or impose impractical conditions.<\/p>\n<p>From <a href=\"https:\/\/lawebdeseguros.com\/en\/\">lawebdeseguros.com<\/a>We analyse your specific case and help you find the best option available according to your type of licence, the use you make of the vehicle and your professional circumstances. Always without obligation and adapting to your real needs.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Comparativa_de_precios_de_seguros_para_taxi\"><\/span>Taxi insurance price comparison<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>It is logical that you want to compare prices. But be careful: not all insurances are the same, and the differences in coverage, deductibles or response times can be significant.<\/p>\n<p>Comparing only the price can lead you to take out insurance that does not cover you sufficiently in the event of a claim or breakdown. The ideal is to make a comparison with professional advice, assessing:<\/p>\n<ul>\n<li>Daily use of taxis.<\/li>\n<li>The age of the vehicle.<\/li>\n<li>The driver's history.<\/li>\n<li>If you work with employees or as a self-employed person.<\/li>\n<li>Your location and type of licence.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"%C2%BFQue_otros_seguros_son_recomendables_para_un_taxista\"><\/span>What other insurances are recommended for a taxi driver?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>In addition to vehicle insurance, as a self-employed taxi driver you should consider other complementary policies. Some situations may directly affect your source of income and may not be covered by car insurance:<\/p>\n<ul>\n<li><strong>Driving licence withdrawal insurance.<\/strong><br \/>\nIf you lose your points-based licence, you will be out of work. This insurance covers you financially during this period.<\/li>\n<li><strong>Temporary incapacity for work (ILT).<\/strong><br \/>\nIf you suffer an injury or illness that prevents you from working, this cover provides income during your sick leave.<\/li>\n<li><strong>Life or disability insurance.<\/strong><br \/>\nTo protect your family or yourself against serious unforeseen events.<\/li>\n<li><strong>Accident insurance as per agreement.<\/strong><br \/>\nMandatory if you have salaried employees, as it covers the risks of contracted personnel according to the collective agreement.<\/li>\n<\/ul>\n<p>All these insurances are designed to protect not only your vehicle, but also your professional activity and your financial stability.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%C2%BFPor_que_cuesta_tanto_encontrar_seguros_para_taxi\"><\/span>Why is taxi insurance so hard to find?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The main reason is risk. A taxi is on the road for many hours, which increases the likelihood of an accident. In addition, most insurers prefer more general products, and taxis require very specific conditions.<\/p>\n<p>This leads many companies to exclude these vehicles directly from their regular offers, or to include them only if you take out other products with them.<\/p>\n<p>For this reason, you will usually need to go to brokerages or specialised professionals who work with insurers that do accept this type of risk.<\/p>\n<p><strong>Conclusion<\/strong><\/p>\n<p>Whether you operate a metered or unmetered taxi, you need insurance that understands your business. Taking out a <strong>insurance for metered and unmetered taxis<\/strong> is something that should not be left to chance. Every situation is unique, and the best policy will be the one that suits you.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><\/div><\/div><div class=\"vc_row wpb_row vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><div class=\"vc_message_box vc_message_box-standard vc_message_box-rounded vc_color-warning\" ><div class=\"vc_message_box-icon\"><i class=\"fas fa-question-circle\"><\/i><\/div><p>Once your profile has been studied, it is easier to compare real proposals that fit your situation. If you wish, <a href=\"https:\/\/lawebdeseguros.com\/en\/\">you can consult us without obligation<\/a> and we will help you evaluate the best options on the market.<\/p>\n<\/div><\/div><\/div><\/div><\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Specific protection for taxis, with or without taximeter. Legal cover, civil liability, accidents and damages, adapted to daily work in the city and on the road.<\/p>","protected":false},"author":2,"featured_media":2539,"parent":1895,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"inline_featured_image":false,"_joinchat":[],"footnotes":""},"categories":[22],"class_list":["post-1960","page","type-page","status-publish","has-post-thumbnail","hentry","category-seguros-para-vehiculos","description-off"],"_links":{"self":[{"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/pages\/1960","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/comments?post=1960"}],"version-history":[{"count":0,"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/pages\/1960\/revisions"}],"up":[{"embeddable":true,"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/pages\/1895"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/media\/2539"}],"wp:attachment":[{"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/media?parent=1960"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/categories?post=1960"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}