Bring the water to a boil. Add in the quinoa and reduce heat to low. Cover and allow to simmer for 15 minutes.
Meanwhile, in a medium skillet heat the oil over medium high heat. Add in the black beans and chickpeas. Season with the taco seasoning and cook for about 5-10 minutes, until warmed through.
In a small bowl, mix together all the pico de gallo ingredients.
Divide the quinoa into 4 bowls and top with cooked beans, pico de gallo and desired toppings.