Taxi insurance

Get Taxi insurance for your company and keep your business safe and rolling. For vehicles used for transport of passengers and goods operating under a Finnish license.

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Keep your business rolling with a taxi insurance

Insurance for taxis and delivery cars

When the primary source of income in a company is a vehicle driving customers around, being correctly insured is crucial.

With taxi insurance at If you are in safe hands and our experts make sure you are covered correctly. This way you can focus on your business knowing that you, your business, your employees, and your customers are safe.

You only pay for the kilometers you drive

Some taxis drive less, for example only on weekends, others drive 24 hours a day, week after week. The more you drive, the greater the likelihood that something will happen. That's why we price our taxi insurance based on how much you drive your taxi. If you drive less - you pay less.

In Finland, all vehicles used in traffic must be insured with a mandatory motor liability insurance. For extra security, complement the mandatory motor liability insurance with extra security with a Basic or Standard policy.

What is included in taxi insurance policy?	Standard	Basic	Motor liability insurance
Motor liability insurance is statutory and compensates for personal injuries suffered by everyone involved in the crash. Motor liability insurance also covers damage to the counterparty's vehicle and property. The deductible for motor liability insurance reimbursements is not deducted unless the deductible has been specifically sought for insurance. Motor liability insurance does not cover damage to your own vehicle. For these, you should take a Super or Standard car insurance policy.	Included	Included	Included
Includes damage as a result of theft, utility theft, or attempted theft. Further, vandalism in connection with theft and attempted theft and the case of pure vandalism damage.	Included	Included	Not included
The insurance compensates for fire damage caused by a fire that has been disenged. Deductibles will be deducted from the compensation.	Included	Included	Not included
The insurance compensates for collisions with animals. The insurance also covers damage caused by a natural phenomenon: Hail Lightning strike directly on the vehicle Tree or branch overturned from gale force winds on top of the vehicle Rodent or other pest entering the vehicle Deductibles will be deducted from the compensation.	Included	Included	Not included
The insurance will cover legal costs related to the use of the car in the event of a dispute. The maximum amount of compensation is EUR 10 000 per damage. The deductible is 15% of the legal costs, but not less than EUR 200.	Included	Included	Not included
The insurance will be compensated for damages in Green Card contracting countries not covered by the European Economic Area (EEA), such as Russia, for which the driver of the vehicle is personally liable to third parties. There is no deductible for compensation.	Included	Included	Not included
One time compensation personal injury significantly increases the protection provided by statutory motor liability insurance. We pay a lump sum if the person has suffered a physical injury or has died in a road accident as a driver or passenger of a vehicle. However, passengers who pay for safety, such as bus or taxi passengers, are not compensated for the security. The amount of the lump sum depends on the severity of the injury.	Included	Included	Not included
We tow your vehicle to the repair shop if the journey is interrupted as a result of a fault, damage or derailment of the vehicle. If's roadside assistance is there for you in all motoring-related situations, 24/7. With us, you will receive immediate assistance for all vehicles, car brands and models. Read more about roadside assistance We also pay extra costs incurred in Finland for interrupting the trip up to EUR 350 and abroad up to EUR 1,000. These may include, for example, travel and housing expenses. There is no deductible for compensation.	Included	Included	Not included
Safety for professional drivers. The driver of the insured vehicle and his/her spouse are entitled to crisis assistance if the driver has been involved in a serious road accident involving personal injury or has been the victim of a robbery, attempted robbery or assault. The security covers crisis assistance provided by a healthcare professional up to a total of EUR 800 per accident. There is no deductible for compensation.	Included	Included	Not included
The insurance covers damage to the vehicle caused by a collision or derailment. Deductibles will be deducted from the compensation.	Included	Not included	Not included
If the car has to be redeemed, the insurance compensation is better than the current market price normally paid. We increase the compensation by 30% on top of the current market price or pay the price of a new car. The price of a new car can be obtained if the car has been purchased from a branded store in Finland, the first registration of the car has taken up to one year in the event of damage, the car has been divided by a maximum of 200,000 kilometres and the estimated repair costs are more than 50% of the new value of the whole car. Otherwise, the compensation shall be increased by a maximum of 30 %. The maximum price of a new similar car at the time of the accident is paid. No more than the current price at the time of purchase will be reimbursed for a used car.	Included	Not included	Not included
Safety for professional drivers. The insurance compensates for damage or loss of the driver's and policyholder's property caused by robbery, attempted robbery or assault up to EUR 2,000. A deductible of EUR 50 will be deducted from the compensation.	Included	Not included	Not included

Complement your Standard insurance with our add-ons for extra security.

	Combine with Standard	Combine with Basic	Combine with Motor
The insurance covers damage resulting from the sudden and unforeseeable breakage of the vehicle's windshield, side windows, or rear glass when the breakage is caused by a direct impact on the glass, such as a stone chip. Glass coverage also extends to the car's glass roof. Glass coverage includes: Glass repair with no deductible Glass replacement with the deductible specified in the insurance policy. The deductible for glass replacement is lower when the replacement is done at an If partner repair shop.	Included	Not included	Not included
The insurance provides compensation for lost earnings when the vehicle is inoperable due to collision, theft, vandalism, fire, or glass damage. Compensation is paid for the lost days of use at the daily rate specified in the insurance policy. Compensation is provided for a maximum of 40 days, starting after the selected deductible days.	Included	Not included	Not included

24h Roadside assistance included

As a vehicle insurance customer at If, you get 24/7 roadside assistance.

When insured with us, please get in touch no matter what the vehicle trouble. We will resolve the situation quickly and give you further instructions. If necessary, we will direct you to a car repair shop, or send a tow truck and arrange a ride to continue your journey.

We always help and guide, only the compensation depends on your insurance plan

We help and guide all If vehicle insurance customers. With us, you will receive immediate assistance for all vehicles, types, and models. The extent to which we can compensate you for damages depends on your chosen insurance plan's coverage, as per the insurance agreement.

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