1. Third-Party Liability Insurance: This is the basic form of taxi insurance, which is legally required in the UK. It covers damages to third parties, including injuries to passengers and damages to other vehicles or property caused by the taxi.

2. Comprehensive Insurance: This coverage includes third-party liability and also covers damages to the taxi itself, whether from accidents, theft, vandalism, or natural disasters. Comprehensive cover is highly recommended for taxi drivers due to the high value and constant use of their vehicles.

3. Public Liability Insurance: This is essential for taxi businesses, as it protects against claims made by passengers who might suffer injury or loss connected to the service provided. It’s crucial for defending against potential lawsuits and covering compensation costs.

4. Employers' Liability Insurance: If a taxi business employs staff, whether drivers or office workers, this insurance is legally required. It covers claims made by employees who might be injured or become ill as a result of their work.

5. Breakdown Cover: Given the intensive use of taxis, having a breakdown cover is practical. It ensures that the taxi can quickly return to service, minimising downtime and loss of income.

6. Legal Expense Cover: This covers legal costs that may arise from disputes, such as recovery of uninsured losses, which can include compensation for personal injury or car hire costs.