Why You Need A Taxi Hire Insurance?

Being a taxi driver, you may ask “why do I need Taxi Insurance?” whether you drive any vehicle for hire or reward, it is absolutely necessary to have the correct insurance in place. It does not matter whether you drive a licensed public hire carriage or you’re an Uber Driver, taxi insurance is essential. 
Having incorrect insurance could be an issue for your income, so it is vital to get it right. This is important to ensure your ability to make a livelihood to maintain your lifestyle. You need to get the right insurance cover, you need to guarantee that you should get the best deal too. We all know that while shopping for an insurance quote, the overbearing thing in our mind is mostly cost. However, it is vital to also consider the type of cover, the policy offers.

What Type Of Taxi Do You Drive?

First, what type of taxi do you drive? Either it’s a private hire or public hire? A private hire cab needs to be pre-booked and it is unable to display a taxi for hire sign.  On the other side, a public hire vehicle doesn’t need to be pre-booked being hailed from the street. It’s not licensed to pick up passengers from taxi rank or cab. Keep in mind that having incorrect insurance cover, you will also be uninsured. A Chauffeur Car Insurance driver also needs a specialized insurance policy.



What Will Your Taxi Insurance Cover Include?

The majority of insurance policies for cab drivers will include the following options:

Named driver policy:

 if you are a single owner and sole driver, and it is known as giving you a cheaper premium.

All driver policy or Fleet cover:

This policy is often for several drivers, usually who are above the age of 25.

Public Liability Cover:

This is to cover any claims made by customers in case they suffer another loss or are injured while traveling in your taxi.

Taxi breakdown cover:

 All type of policies does not include this specific cover, it may be offered as an add on to your policy.

Personal Injury:

Sometimes in busy traffic, if you are driving for many hours in the day, it can be a dangerous occupation.

While comparing taxi insurance quotes online it is important to remember it is not as same as standard car insurance. If you’re looking for an insurance policy for the first time, it may go tough for you to decide what exactly you need. If you found in a situation without the correct level of cover, it may be unable to make a claim. Obviously, you want to get rid of all these problems at any cost.

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