All About Insurance

Frequent Queries Regarding Taxi Insurance

If you have just got into or are thinking of getting into the taxi business, it is important that you make sure you take out taxi insurance for your vehicle. Taking this into consideration, people who are looking for cover for their taxi usually ask a variety of questions. Below we have tried to answer some of the more common queries that usually arise concerning taxi cover, they should hopefully help you out when you are looking for a policy.

How does taxi cover differ to my private cover?

The main difference between these two policies is that taking out a taxi policy means that anybody who uses your taxi is also insured while they are in the vehicle. This is due to the policy including public liability cover.

How does public hire taxis differ from private hire ones?

All private hire cabs have got to have been booked before they pick people up. It is illegal to hail a private hire cab off the street and doing so can land the driver with large fines and may lead to them having their licence revoked.

Public hire cabs on the other hand do not need to be pre-booked and are the taxis that you can flag down. These are usually driven in more urban areas and are strictly controlled by local authorities.

Can I use my own personal car as a taxi?

The local authorities will be the ones who will decide whether or not your car is viable for use as a cab. Obviously if you have got a three door hatchback then this may cause problems for some people getting in and out. If your car is a decent enough size and has got no problems when it comes to getting in and out then it should usually be ok to use.

Can a private no claims bonus be transferred over?

You will find that a lot of insurance providers will be able to transfer over your no claims bonus from a private policy. You should make sure that you check whether you can get any discounts to your premium with this.

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