A taxi should be insured for its disclosed passenger-carrying activity, including hire or reward where applicable. Ordinary private motor cover should not be assumed to protect paid trips.

Describe your taxi service

Provide vehicle details, registration class, seating capacity, drivers and the nature of the service. Explain cruise tours, airport transfers, regular taxi work and any other operation. The insurer needs to assess the actual business.

Compare liability and own damage

Ask about liability to passengers and other third parties, applicable limits and permitted drivers. Consider whether comprehensive own-vehicle cover is available. A collision that removes the taxi from service can affect both the vehicle and your income.

Ask about extras separately

Loss of earnings, replacement transport, luggage and valuables are not automatically included in every taxi policy. Ask which benefits are available and what limits apply. Review any excess for the driver or vehicle category.

Keep information current

Tell the insurer if you add drivers, change seating, modify the vehicle or change your operation. Confirm policy dates and renew before expiry. Insurance should be checked alongside the separate licensing and operational requirements relevant to your service.

Frequently asked questions

Does comprehensive taxi cover replace lost income?

Only if the applicable policy or extension provides it; ask specifically.

Can another driver operate my taxi?

Confirm that person’s eligibility under the policy before allowing them to drive.

Discuss your motor insurance options

Discounted Premium Ltd can help you understand the available options and request a quotation for your circumstances. Have your vehicle details, intended use and driver information ready. Visit us at 42 Cork Street, Roseau, Dominica, or call 235-8294 or 818-7736. Message us on WhatsApp.

Related reading

Preparing a motor insurance quotation · Types of motor insurance

Earlier in this series

Do You Need Commercial Insurance If You Use Your Car for Business? · Private vs Commercial Motor Insurance: Which Do You Need? · How Much Does Car Insurance Cost in Dominica? – 2026 Guide

This article provides general information. Cover, eligibility and claims depend on the insurer’s accepted terms, policy conditions, exclusions, limits and deductibles. Illustrative figures are not quotations or promises of settlement.