Ocky .Obviously the cost of taxi insurance is considerably more then ordinary motor insurance.now because there are drivers who are not working as taxi drivers at the moment,they cannot be expected to pay taxi rates.so you should ring the NTA and break the link,declaring your car to be an ordinary car for the duration of covid 19 then when you have done that ,you ring your insurance company telling them you have rang the NTA and broken the link,and then they will give you a rate as an ordinary motorist,and not a taxi.I saved 60% by doing this