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Commercial car or taxi insurance will cover your business from losses due to compensation to be paid for accidents and injuries.
Taxi car insurance. Policies can cover more than just your standard black cab all sorts of private hire cars will need taxi insurance as well as public hire vehicles like hackney carriages. Youll need a full taxi license in order to apply for a policy. Covers business and commercial liability commercial car or taxi insurance ensures coverage from liabilities in case of accidents and injuries. If you drive any sort of vehicle for transporting people commercially youll need a taxi licence and insurance by law.
Not all taxis are the same and neither are all taxi insurance policies. Whether youre a full time taxi driver or a part time uber driver youll need taxi insurance to cover yourself your vehicle and your passengers against potential claims. The insurance category that a car falls into can have a big impact on cost as the higher the category the more expensive the premium. The first is policy only the second is named driver and the third is any driver over set age.
Taxi car insurance is a robust policy for those who operate a taxi for hire. Taxi insurance is designed to cover the additional risk you might face as a taxi driver. Taxi insurance is different from a standard car policy because it protects you against the specific risks you face. When it comes to private hire taxi insurance there are three main types of policy.
Types of taxi insurance policy. This is why taxi drivers can find they pay a premium for their cover compared to standard motorists. Taxi insurance is a legal requirement if you drive a taxi for a living. As a taxi driver you spend much more of your time on the road than the average driver often at unsociable hours and in inner city areas which statistically increases the risk of an accident.
Whats the difference between private hire and public hire taxi insurance. With the increased risk of a claim taxi vehicle insurance often works out considerably more expensive than a private car policy.