Acorn Insurance

Flexible fleet insurance for taxi and commercial vehicles

Insure fleets of all sizes, from 3 vehicles to hundreds.

  • Insure fleets of all sizes, from 3 vehicles to hundreds.
  • Dynamic cover for traditional and connected fleets.
Over 40 years of insurance experience

Why choose Acorn Fleet Insurance?

You're safe with us

Unlike traditional insurance companies, we may be able to help you if have been refused insurance by other providers.

You're safe with us

Unlike traditional insurance companies, we may be able to help you if have been refused insurance by other providers.

You're safe with us

Unlike traditional insurance companies, we may be able to help you if have been refused insurance by other providers.

You're safe with us

Unlike traditional insurance companies, we may be able to help you if have been refused insurance by other providers.

Dynamic fleet insurance with the flexibility you need

We cover a wide range of trades and vehicle types, whether you manage a fleet of taxis or operate a commercial fleet. Our pricing is based on your specific circumstances.

Fleet Insurance

Specialist fleet cover for three or more vehicles on one policy.

Motor Trade Insurance

Protect your reputation, equipment and your business.

"Friendly and efficient team. Rates are competitive and queries dealt and quickly."

Joe Bloggs, Blue Star Taxi

"Friendly and efficient team. Rates are competitive and queries dealt and quickly."

Joe Bloggs, Blue Star Taxi

What types of fleets does Acorn insure?

We can provide insurance policies for both traditional and telematics fleets of all sizes, from 3 hundreds of vehicles.

Small fleets

  • Short- & long-term cover available
  • Personal (S,D&P) cover included
  • Insured for Hire & Reward
  • Payment options for your budget

Medium & Large fleets

  • Custom cover built for size
  • Fleets insured for personal use
  • Hire & Reward cover included
  • Flexible payments for larger fleets

Connected fleets

  • Long-term taxi fleet cover
  • Personal insurance for taxi fleets
  • Hire & Reward cover as standard
  • Buy with a single payment or 9 monthly instalments

Our Partners

The same taxi cover fleet
managers love from Acorn

  • Bespoke customer service
  • Dedicated claims team available 24/7
  • Specially designed for Uber fleets, Black Cabs, and PCO fleets

With additional incentives for
safer driving from Flock

  • Access to Flock’s fleet portal and on-site safety assessments
  • Integrates with over 30 types of telematics devices to promote safer driving
  • Rewards safer fleets with up to a 10% premium rebate annually

Which type of cover is right for me?

Choose between 7 day, 30 day and annual, Third Party Fire and Theft, Third Party Only or Comprehensive
Claims by third parties up to a max of £20 million
Medical expenses for you and your passengers up to £100 each
Loss or damage to your vehicles caused by fire, lightning, explosion or theft
Loss or damage to your vehicles after an incident
Windscreen and window repair or replacement
Popular
Comp
Included
Included
Included
Included
Included
TPFO
Included
Included
Included
Included
Included
TPO
Included
Included
Included
Included
Included

Claims by third parties up to a max of £20 million

Medical expenses for you and your passengers up to £100 each

Loss or damage to your vehicles caused by fire, lightning,
explosion or theft

Loss or damage to your vehicles after an incident

Windscreen and window repair or replacement

Most popular

Comprehensive

Included

Included

Included

Included

Included

Third Party
Fire and Theft

Included
Included
Included

Third Party Only

Included
Included

With additional incentives for
safer driving from Flock

  • Access to Flock’s fleet portal and on-site safety assessments
  • Integrates with over 30 types of telematics devices to promote safer driving
  • Rewards safer fleets with up to a 10% premium rebate annually

Meet the Team

John Doe, Head of Pricing

“Public hire insurance is for taxis that can pick up members of the public on the street or from a taxi rank.”

John Doe, Head of Pricing

“Public hire insurance is for taxis that can pick up members of the public on the street or from a taxi rank.”

Existing Customers

Manage Your Policy Online

  • View your documents
  • Make changes to your policy
  • Manage your payments
  • Renew your cover

How to Make a Claim

If you’ve been in an accident our team is available 24/7 to resolve your claim as quickly as possible. Visit our dedicated page to make a claim.

Need Help?

If you have questions about our options or need help with your policy, please browse our FAQs or get in touch. We are here to serve you.

Latest Insights, Tips and Guides

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Frequently asked questions

How do I report a claim with Acorn Insurance?

To report a claim with Acorn Insurance please use the following options.

Call our dedicated New Claims Line: 0173 2747 100 24hrs a day 365 days a year.

Want us to call you back? Then send the following text: Text “CLAIM” to 83118

Or If you would like to discuss a claim that has already been reported to us, you can do so by calling 0330 3310714 during our office opening hours, which are

Monday - Friday: 08:00 - 18:00 / Saturday: 09:00 - 17:00 / Sunday & Bank Holidays: Closed

What information do I need to provide when filing a claim?

Have your policy details, incident description, and relevant documentation ready.

Is there a time limit for filing a claim after an accident?
It is vital that you report any accident to our claims team within 24 hours so that we can support you as soon as possible and ensure we have all the information we need to attend to your claim. Your policy will have specific reporting requirements and timelines which may include additional excesses for late reporting of claims; please refer to your policy or contact our team who will be happy to assist with any questions you have.
What documents are required to support my claim?

You will need to provide a copy of your driving licence, any photographs taken at the scene, witness statements, and any official emergency responder reports related to the incident.

How long does the claims process take with Acorn insurance?
Timelines can vary, but we strive to process claims efficiently. You’ll be kept informed throughout.

Please ensure you provide all requested information to us in a timely fashion.

Do I need a police report to file a claim?
At Acorn Insurance, while not mandatory, a police report can be valuable evidence in the claims process.
What deductions could be taken from your settlement?

Your policy excess amount(s).

Any damages to the vehicle that existed prior to the accident being claimed for.

Any unpaid insurance premiums.

If you have financed, hired or leased your vehicle, please consider any outstanding payments to the hire purchase company, leasing company, bank or lender.

How does Acorn Insurance value my vehicle?

We determine the value of your vehicle based on age, mileage, and condition, consulting relevant sources as needed. 

How is the claim amount determined?

The claim amount is assessed based on factors like damage severity and policy coverage.

What if I disagree with the claim decision?

You may contact the Acorn claims team on 0330 3310714 to discuss concerns or refer to the policy terms for dispute resolution.

What happens if my vehicle is repairable?
We will guide you to a repair workshop approved by Acorn for guaranteed repairs. Additional policy benefits may include a courtesy car. Please check your policy schedule and wording for details.
What happens if my vehicle is a total loss (write-off)?

If your vehicle is beyond economical repair, our approved salvage agents will collect it, and we will take ownership. We will dispose of the vehicle according to industry guidelines and inform relevant databases. We will pay you the market value after necessary deductions.

What does Total loss mean?
"Total loss" also known as a “write off” refers to when the cost of repairing a car is more than its market value and it is not economically viable to fix it. An insurance assessor will examine your car if you have comprehensive insurance and determine if it's a total loss.
Can I choose my preferred garage?

Yes, you do have the flexibility to choose a repair facility, or we can recommend one from our trusted network to avoid potential delays in the process.

When does a claim affect my No Claims Discount?

If we can recover the money that we pay for the damage to your vehicle or if we don't have to pay for the damage or loss to any other party involved in your claim, then your No Claims Discount (NCD) will not be affected. However - if the renewal date falls prior to the recovery of the repair/hire costs from the third-party insurer then your NCD will be affected.

If I make a claim for windscreen or window damage, does it affect my No Claims Discount?
No, it does not affect your No Claims Discount.
What is Third party liability?
Third Party Liability is the legal responsibility or obligation of the policyholder to persons third parties who are not covered under the insurance policy.
What if the other party is at fault and uninsured?

Your policy may include coverage for uninsured motorists. Contact us on 0173 2747100 and we will guide you through the process. Alternatively, you can text 83118 to request a call back.

What is a Non-Fault Claim?
Non-fault claim: The insurer pays and recovers the cost from a third party. Example: the other driver accepts the blame in a car accident.
What is a Fault Claim?
Fault claim: When your insurer must make a payout, regardless of who is responsible for the accident.
Will my premium increase if its non-fault claim?
Your Premium with us may increase even after a non-fault claim because drivers who have made a claim are more likely to make another claim in the future. This helps insurers charge those who are more likely to cost the insurer further down the line.