So AXA didnt really give ANYTHING.if they gave taxii drivers the option to drop cover like you said,,then they are only covered for social ,domestic,and personal. They didnt give you anything .what they are charging you for social,domestic,etc is what you would have been paying for a quote of that nature anyway.allienz are giving tou back money off ,but your still insured as a taxi,where as your not insured as a taxi with AXA if you drop your cover