{"id":4458,"date":"2025-08-06T11:58:26","date_gmt":"2025-08-06T09:58:26","guid":{"rendered":"https:\/\/lawebdeseguros.com\/?p=4458"},"modified":"2025-10-18T10:08:02","modified_gmt":"2025-10-18T08:08:02","slug":"what-type-of-insurance-should-a-taxi-have","status":"publish","type":"post","link":"https:\/\/lawebdeseguros.com\/en\/what-type-of-insurance-should-a-taxi-have\/","title":{"rendered":"What type of insurance should a taxi have?"},"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\/what-type-of-insurance-should-a-taxi-have\/#%C2%BFQue_tipo_de_seguro_debe_tener_un_taxi\" >What type of insurance should a taxi have?<\/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\/what-type-of-insurance-should-a-taxi-have\/#Seguro_obligatorio_para_taxis_el_minimo_que_debes_tener\" >Compulsory taxi insurance: the minimum you must have<\/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\/what-type-of-insurance-should-a-taxi-have\/#%C2%BFEs_obligatorio_tener_un_seguro_especifico_para_taxis_o_basta_con_uno_convencional\" >Is it compulsory to have specific insurance for taxis or is conventional insurance sufficient?<\/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\/what-type-of-insurance-should-a-taxi-have\/#%C2%BFQue_coberturas_adicionales_recomienda_contratar_un_taxista_para_estar_completamente_protegido\" >What additional coverages does a taxi driver recommend to be fully protected?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/lawebdeseguros.com\/en\/what-type-of-insurance-should-a-taxi-have\/#1_Responsabilidad_Civil_Voluntaria\" >Voluntary Civil Liability<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/lawebdeseguros.com\/en\/what-type-of-insurance-should-a-taxi-have\/#2_Accidentes_del_conductor\" >2. Driver accidents<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/lawebdeseguros.com\/en\/what-type-of-insurance-should-a-taxi-have\/#3_Asistencia_en_carretera\" >3. Roadside assistance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/lawebdeseguros.com\/en\/what-type-of-insurance-should-a-taxi-have\/#4_Subsidio_por_baja_laboral\" >4. Sick leave benefit<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/lawebdeseguros.com\/en\/what-type-of-insurance-should-a-taxi-have\/#5_Perdida_de_carnet_y_recuperacion_de_puntos\" >5. Loss of licence and recovery of points<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/lawebdeseguros.com\/en\/what-type-of-insurance-should-a-taxi-have\/#6_Defensa_juridica\" >6. Legal defence<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/lawebdeseguros.com\/en\/what-type-of-insurance-should-a-taxi-have\/#7_Cobertura_de_robo_e_incendio\" >7. Theft and fire cover<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/lawebdeseguros.com\/en\/what-type-of-insurance-should-a-taxi-have\/#8_Danos_propios\" >8. Own damage<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/lawebdeseguros.com\/en\/what-type-of-insurance-should-a-taxi-have\/#9_Danos_a_la_propiedad_de_terceros\" >9. Damage to property of third parties<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/lawebdeseguros.com\/en\/what-type-of-insurance-should-a-taxi-have\/#10_Gastos_medicos_y_lesiones\" >10. Medical expenses and injuries<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/lawebdeseguros.com\/en\/what-type-of-insurance-should-a-taxi-have\/#%C2%BFCuanto_cuesta_un_seguro_de_taxi_en_Espana_y_de_que_depende_su_precio\" >How much does taxi insurance cost in Spain and what does its price depend on?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/lawebdeseguros.com\/en\/what-type-of-insurance-should-a-taxi-have\/#No_te_la_juegues_consulta_con_una_correduria_independiente\" >Don't take a gamble: consult an independent brokerage firm<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/lawebdeseguros.com\/en\/what-type-of-insurance-should-a-taxi-have\/#%C2%BFY_tu_%C2%BFEres_taxista_y_quieres_contarnos_tu_experiencia\" >Are you a taxi driver and want to tell us about your experience?<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"%C2%BFQue_tipo_de_seguro_debe_tener_un_taxi\"><\/span>What type of insurance should a taxi have?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p> Imagine you are a taxi driver and, after a long day's work, you have an accident with a passenger on board. It's not serious, but it's a huge shock. Who pays for it? Does your insurance cover everything or do you have to pay out of your own pocket? This is the question that plagues many drivers starting out in the taxi business or renewing their policy. If you've been wondering about this yourself, stay tuned, because here you'll find clear, straightforward, down-to-earth answers. <\/p>\n<h2><span class=\"ez-toc-section\" id=\"Seguro_obligatorio_para_taxis_el_minimo_que_debes_tener\"><\/span>Compulsory taxi insurance: the minimum you must have<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p> By law, <strong>all taxis in Spain<\/strong>Both metered and non-metered taxis are obliged to have a <strong>compulsory civil liability insurance<\/strong>. This insurance covers personal and material damages that you may cause to third parties while providing the service. It is the legal minimum and without it, you simply cannot work.<\/p>\n<p>However, this <a href=\"https:\/\/lawebdeseguros.com\/en\/warranties\/warranties-for-your-car-insurance-and-automobile-insurance\/\">insurance is not like that of a car<\/a> normal. As you transport people, the <strong>minimum required amount<\/strong> is usually higher. In other words, the coverage is adjusted to the real risk of your activity.<\/p>\n<p>And if you can't get it on the traditional market (e.g. because of claims history), you can go to the <strong>Insurance Compensation Consortium<\/strong>.<\/p>\n<div><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 have doubts about your taxi insurance?<\/p>\n                <\/header>\n                <p class=\"cta_general cta-heading h3\">Let us help you find the best policy for your type of service, area of work and real needs. Compare options with an independent brokerage.<\/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+dudas+sobre+el+seguro+de+tu+taxi%3F\" 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<\/div>\n<h2><span class=\"ez-toc-section\" id=\"%C2%BFEs_obligatorio_tener_un_seguro_especifico_para_taxis_o_basta_con_uno_convencional\"><\/span>Is it compulsory to have specific insurance for taxis or is conventional insurance sufficient?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p> No, <strong>conventional insurance is no good<\/strong>. Taxis are different in nature from private vehicles: they work much longer hours, they transport strangers, they are exposed to urban traffic... That is why you need a <strong><a href=\"https:\/\/lawebdeseguros.com\/en\/vehicle-insurance\/insurance-for-metered-and-non-metered-taxis\/\">specific insurance for taxis<\/a><\/strong> that takes into account all these variables.<\/p>\n<p>And be careful, although it is not legally obligatory to add extra coverage, it is more than advisable to do so. Not doing so is like driving with the handbrake on: you're going, but you're taking a gamble.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%C2%BFQue_coberturas_adicionales_recomienda_contratar_un_taxista_para_estar_completamente_protegido\"><\/span>What additional coverages does a taxi driver recommend to be fully protected?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"1_Responsabilidad_Civil_Voluntaria\"><\/span>Voluntary Civil Liability<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p> Extends the limits of compulsory insurance. If the damage you cause exceeds what is covered by the basic policy, this cover comes into play. <\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_Accidentes_del_conductor\"><\/span>2. Driver accidents<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p> What if you're the one who gets injured? This cover protects you directly as a professional driver. Given that you spend many hours behind the wheel, it's almost essential. <\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_Asistencia_en_carretera\"><\/span>3. Roadside assistance<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p> Includes towing, towing and assistance in case of breakdown or accident, available 24 hours a day, 365 days a year. Essential to avoid being stranded while you work. <\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_Subsidio_por_baja_laboral\"><\/span>4. Sick leave benefit<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p> In case of illness, accident or hospitalisation, this insurance ensures you an income. Because if you can't drive, at least you can breathe easy knowing that you won't be left with nothing. <\/p>\n<h3><span class=\"ez-toc-section\" id=\"5_Perdida_de_carnet_y_recuperacion_de_puntos\"><\/span>5. Loss of licence and recovery of points<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p> A penalty can leave you without a licence. This cover includes courses to recover points and even compensation if you temporarily lose your licence. <\/p>\n<h3><span class=\"ez-toc-section\" id=\"6_Defensa_juridica\"><\/span>6. Legal defence<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p> Passenger claims, contractual problems, workshop disputes... This cover gives you legal back-up when you need it. <\/p>\n<h3><span class=\"ez-toc-section\" id=\"7_Cobertura_de_robo_e_incendio\"><\/span>7. Theft and fire cover<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p> Protects the taxi against theft, attempted theft or fire damage. Covers both the vehicle and the equipment it carries. <\/p>\n<h3><span class=\"ez-toc-section\" id=\"8_Danos_propios\"><\/span>8. Own damage<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p> Allows you to repair damage to your own taxi in the event of an accident, regardless of who is at fault. Ideal if you want to protect your work tool without depending on third parties. <\/p>\n<h3><span class=\"ez-toc-section\" id=\"9_Danos_a_la_propiedad_de_terceros\"><\/span>9. Damage to property of third parties<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p> Covers damage that you may unintentionally cause to other people's property, such as street furniture, facades, parked vehicles or private facilities. <\/p>\n<h3><span class=\"ez-toc-section\" id=\"10_Gastos_medicos_y_lesiones\"><\/span>10. Medical expenses and injuries<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p> Provides medical assistance for the driver and passengers in the event of an accident. Prevents a medical emergency from becoming an unexpected expense. <\/p>\n<h2><span class=\"ez-toc-section\" id=\"%C2%BFCuanto_cuesta_un_seguro_de_taxi_en_Espana_y_de_que_depende_su_precio\"><\/span>How much does taxi insurance cost in Spain and what does its price depend on?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p> Here comes the big question: <strong>how much does it cost?<\/strong> Well, it depends. There is no single rate. The price of taxi insurance in Spain can vary between <strong>1,000 and 8,000 euros per year<\/strong>This is no exaggeration.<\/p>\n<p>What does it depend on? Here are the main factors:<\/p>\n<ul>\n<li><strong>Type of taxi:<\/strong> metered and unmetered taxis. Urban taxis (Class A) usually pay more than rural taxis (Class B).<\/li>\n<li><strong>Working area:<\/strong> In cities such as Malaga, premiums of up to \u20ac4,500 per year have been reported. Why? High accident rate and long driving hours.<\/li>\n<li><strong>Driver history:<\/strong> if you have a clean part, you pay less.<\/li>\n<li><strong>Age of the vehicle:<\/strong> the newer it is, the easier it is to insure.<\/li>\n<li><strong>Annual usage and mileage:<\/strong> a taxi that does 200,000 km a year is not insured in the same way as a taxi that does 60,000 km a year.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"No_te_la_juegues_consulta_con_una_correduria_independiente\"><\/span>Don't take a gamble: consult an independent brokerage firm<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p> The best advice? Before jumping directly into contracting with a company, talk to one of them. <strong>independent insurance brokerage<\/strong>. They compare different insurers, know the best conditions on the market and can help you save a lot of money... and aggravation.<\/p>\n<p>A brokerage has no interest in selling you \"their company's insurance\", because they don't work for just one company. They work for you. And that, when you are risking your livelihood, is worth gold.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%C2%BFY_tu_%C2%BFEres_taxista_y_quieres_contarnos_tu_experiencia\"><\/span>Are you a taxi driver and want to tell us about your experience?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p> Did you have your insurance raised without explanation? Did you have a claim and your cover didn't respond as expected? Write to us or leave your story in the comments. At <strong>lawebdeseguros.com<\/strong> we are building a community where taxi professionals help each other. Because no one knows the risks of this profession better than those who live it every day.<\/p>\n<p><strong>Do you have any doubts about what kind of insurance a taxi should have?<\/strong> If so, contact us and we will advise you without obligation. <\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><\/div><\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Find out what type of insurance a taxi needs. Find out the key coverages and why choosing a brokerage is critical in this decision - protect your business with the right insurance!<\/p>","protected":false},"author":2,"featured_media":4445,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"_joinchat":[],"footnotes":""},"categories":[1],"tags":[],"class_list":["post-4458","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","category-1","description-off"],"_links":{"self":[{"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/posts\/4458","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/types\/post"}],"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=4458"}],"version-history":[{"count":0,"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/posts\/4458\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/media\/4445"}],"wp:attachment":[{"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/media?parent=4458"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/categories?post=4458"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/lawebdeseguros.com\/en\/wp-json\/wp\/v2\/tags?post=4458"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}