Black & White Insurance Solutions

Insurance solutions for Black & White Cabs affiliates

BW Cabs

Experience a new insurance solution, exclusively available to Black & White Cabs affiliates. Black & White Insurance Solutions is now offering Taxi Motor Insurance, which includes Public Liability cover and optional cover under the Personal Accident protection. 

Managed by a team of insurance professionals with extensive taxi experience, we have done all the hard work – negotiated the cover and price so you don’t have to and importantly, designed to be a sustainable and long-term insurance solution. 
Our combined experience means we know the taxi industry, speak your language and keep up to date with taxi industry risks and opportunities.

There are two policies available to you, the Driveline Essential Taxi Package and the Driveline Platinum Taxi Package. There are key differences between these two policies, as set out below: 

Driveline Essential Taxi Package - (Comprehensive Cover)

This cover provides protection in respect of one or more owned or leased Taxis for: the cost of the repairs to, or replacement to those Taxis arising from theft or accidental or malicious physical loss or destruction (loss or damage cover) and the insured and persons that drive, or are passengers, in those Taxis to cover their liability for damage or destruction to someone else’s property arising out of their use of those Taxis. 

Cover

Section 1 – Taxi Motor Insurance

Part A – Loss or Damage
Covers accidental damage, theft, malicious damage, flood, and earthquake damage to your taxi.

Part B – Third Party Liability
Covers legal liability for damage to other people’s property caused by your taxi.

Section 2 – Public and Products Liability

Covers legal liability for:

  • Personal Injury
  • Property Damage

Exclusions/Conditions

Specific to Section 1
  • Pre-existing damage
  • Repossession
  • Theft by hirer
  • Tyres
  • Overloaded vehicles
  • Unlicensed drivers
  • Unsafe vehicles 
  • Participation in motor sports or racing 
  • Property in your control (with limited exceptions) 
  • Driving under the influence of alcohol or drugs 
Applicable to all Sections
  • Lawful seizure
  • Wilful or criminal acts 
  • Workers Compensation cover

*Subject to policy terms and conditions. Please read the PDS and Policy Wording for more information

PDS & TMD

Driveline Essential Taxi Package
Driveline Essential TMD

Driveline Platinum Taxi Package - (Third Party Property Damage Only)

 This cover provides protection in respect of one or more owned or leased Taxis for the insured and persons that drive, or are passengers in those Taxis to cover their liability for damage or destruction to someone else’s property arising out of the use of those taxis. 

Cover

Section 1 – Taxi Motor Insurance

Part B – Third Party Liability
Covers legal liability for damage to other people’s property caused by your taxi.

Section 2 – Public and Products Liability

Covers legal liability for:

  • Personal Injury
  • Property Damage

Exclusions/Conditions

Specific to Section 1
  • Overloaded vehicles
  • Unlicensed drivers
  • Unsafe vehicles 
  • Participation in motor sports or racing 
  • Property in your control (with limited exceptions) 
  • Driving under the influence of alcohol or drugs
Applicable to all Sections
  • Lawful seizure
  • Wilful or criminal acts 
  • Workers Compensation cover

PDS & TMD

Driveline Platinum Taxi Package
Driveline Platinum TMD

Personal Accident Cover

Personal Accident cover is designed to provide a lump sum benefit due to death or permanent disability arising from an injury and weekly benefits for temporary total disablement arising from injury. You have the added option of obtaining cover under this policy: 

Cover

Lump Sum Benefits

Paid for permanent injuries resulting from accidents:

  • Accidental death
  • Permanent total disablement
  • Loss of sight, hearing, limbs, fingers, or toes
  • Burns and disfigurement
  • Fractures (complete, simple, hairline)
  • Dental injuries (loss or capping of teeth)
Loss of Income Benefits

Weekly payments for:

  • Temporary Total Disablement (TTD)
  • Temporary Partial Disablement (TPD) Due to either:
    - Bodily injury

Exclusions/Conditions

  • Aircraft travel (unless as a passenger in a licensed aircraft) 
  • Contravention of health legislation (e.g. Health Insurance Act) 
  • Criminal or illegal acts 
  • Driving under the influence of alcohol or drugs 
  • Intentional or self-inflicted acts, including suicide 
  • Nuclear events (radiation, contamination) 
  • Pre-existing conditions (unless agreed in writing) 
  • Professional sports participation 
  • War or civil war
  • Must occur within 12 months of injury/sickness
  • Subject to an Excess Period (waiting period)
  • Payments are based on a percentage of pre-tax salary
  • Maximum benefit period applies

If you also interested in Personal Accident cover, the Group Personal Accident Policy wording is applicable.

PDS & TMD

BW Personal Accident Policy Wording
Arch Group Personal Accident TMD

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Black & White Insurance Solutions | Queensland

Black & White Insurance Solutions | WA

Black & White Insurance Solutions | All other states

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The Black & White difference

Market value

In the event of a total loss your vehicle is covered for its current market value. Applicable when Comprehensive cover is selected.

Choose your own repairer

No need to trek across the city to visit a specific repair shop*.

Excess free windscreen cover

This is limited to one excess free windscreen per coverage period.

Monthly payments

Access to premium funding gives you the ability to pay your insurance premiums in regular instalments, rather than in one large lump-sum payment. This means more cash flow and flexibility for your business.

New motor vehicle replacement for total loss

If a total loss occurs within the first year of your original registration, we'll put you back in the driver's seat with a brand-new vehicle. We'll even cover stamp duty, making it easier to get back on the road*. Applicable when Comprehensive cover is selected.

Peace of mind

We understand your business and we will work for you, not for the insurers. This means we act as your advocate in the unfortunate event of a claim.

Frequently asked questions

Howden can assist with your insurance needs.

Affiliates of Black & White Cabs, Australia-wide, are able to access industry specific insurance products.

For a number of years, sourcing access to a quality taxi insurance solution has been challenging. With state regulators not approving the use of mutuals in some states following their financial collapse, along with the withdrawal of traditional taxi insurers from the market due to both changes in risk appetite and unsustainable portfolio loss ratios, the industry was in need of a comprehensive and sustainable insurance solution for the taxi industry.

Black & White Cabs, in partnership with Howden have developed its own taxi insurance solution through Black and White Insurance Solutions, exclusively available to operators affiliated with Black & White Cabs.

Contact Howden

Get in touch

Contact Black & White Cabs

Get in touch
BW

How to make a claim

Find out more about the claims process.

Make a claim

BW Insurance Solutions ABN 78 694 953 818 is an Authorised Representative (AR No. 001302375) of Howden Insurance Brokers (Australia) Pty Ltd (Howden) ABN 79 644 885 389 | AFS Licence No. 539613. Howden is part of Howden Group Holdings Limited. Please read our Financial Services Guide.

Black & White Holdings Pty Ltd (ABN 92 081 459 065) acts as a distributor of Taxi Insurance (Distributor) for Howden. As a Distributor of Howden, Black & White Holdings Pty Ltd is authorised to deal in the Taxi Insurance products arranged by it. Black & White Holdings Pty Ltd can assist you in arranging Taxi Insurance, however, is unable to provide you with any advice, recommendation or their own opinion in relation to these insurance products. 
Black & White Holdings Pty Ltd receives remuneration paid by Howden for your access to the Taxi Insurance benefits. 

For information on how Black & White Insurance Solutions and Howden collects, stores and uses your information, please refer to Howden’s Privacy & Data Protection Policy

Copyright © 2025 Howden Insurance Brokers (Australia) Pty Ltd. Any advice or recommendations on this website are general in nature and do not take into account your individual objectives, financial situation or needs. Please read all relevant documents, including the Policy Wording, Product Disclosure Statement and if applicable, the Target Market Determination before deciding if the product is right for you.