Points, convictions and claims
Convicted taxi driver insurance
Convicted taxi driver insurance covers licensed drivers with penalty points, motoring convictions or recent claims. Fewer insurers quote, so full and accurate disclosure matters.
- Online form
- Free to use
- No obligation
Points, convictions and claimsTaxi insurance with points or convictions
Convicted taxi driver insurance is public hire or private hire cover for licensed drivers with motoring convictions, penalty points or a recent claims record. Specialist insurers consider risks that standard taxi insurers decline.
Endorsements stay on a driving record for 4 or 11 years depending on the offence[1], and insurers ask about convictions within their own look-back period.
Points, records and licensing
Sources: GOV.UK (11 November 2026) · Department for Transport (13 August 2026). Full list at the bottom of this page.
Two separate questions: your licence and your insurance
Your council or TfL decides whether convictions affect your taxi licence. Every licensing authority in England required enhanced DBS checks with barred list checks in 2026[2], and authorities share refusals and revocations through a national database. If you hold a badge, the licensing office has already considered your record.
Insurers then make their own decision. They look at the type of motoring conviction, when it happened, the points involved and any claims. Speeding points are viewed differently from drink-driving or dangerous driving convictions.
What to have ready
- the conviction codes, dates and points for each endorsement
- any driving ban, its length and the date it ended
- claims in recent years, whether fault or non-fault
- your taxi licence history and any licensing action
You can check your own record online with the DVLA[1] to get dates and codes right. Accurate details from the start avoid delays and surprises.
Keeping the record clean from here
Points expire, and claims drop out of an insurer's look-back period over time. Drivers often see more insurers quote once older convictions fall away. A dashcam can help settle disputed claims, and named driver cover on a shared car keeps control of who drives. Young drivers with points may also want to read young taxi driver insurance.
What insurers look at
What affects the price of convicted taxi driver insurance
Every insurer weighs these differently, which is why quotes for the same driver and car can vary.
- Conviction typeSpeeding, mobile phone use, drink driving and others are viewed differently.
- TimingHow recent each conviction is.
- Points totalThe number of points on the licence.
- ClaimsFault and non-fault claims in recent years.
- Type of workPublic hire, private hire or contract work.
- Vehicle and areaValue, security and where you work.
FAQs
Convicted taxi driver insurance questions
Can I get taxi insurance with points on my licence?
Yes. Specialist insurers consider taxi drivers with points, though fewer insurers quote and the conviction type and date both matter.
How long do points stay on my licence?
Endorsements stay on your driving record for 4 or 11 years, depending on the offence, according to GOV.UK.
Do I need to declare spent convictions?
Insurers ask about convictions within their own look-back period. Answer the questions as asked, and check your record first.
Will my council revoke my badge for points?
That is a licensing decision for your council or TfL, separate from insurance. Councils set their own policies on convictions.
Can I get convicted taxi driver insurance online?
Yes. Enter each conviction or endorsement code with its date when the form asks. MyMoneyComparison.com can then pass your details to brokers who consider drivers with points or past offences.
Sources
Figures on this page come from the sources below. Each was checked on 11 November 2026; figures may change when a source is updated.
- GOV.UK, Penalty points (endorsements), accessed 11 November 2026.
- Department for Transport, Taxi and private hire vehicle statistics, England: 2026, published 13 August 2026.
Ready for a taxi quote with points or convictions?
One online form, specialist taxi brokers, no obligation.
CoverMyTaxi is a trading style of Mymoneycomparison.com Ltd. It is an information website and is not an insurer or an insurance broker. Quotes are provided through MyMoneyComparison.com and the brokers it works with, subject to insurers' acceptance criteria.