NEW TO TAXI DRIVING?

What is the difference between private hire taxi insurance and public hire taxi insurance?

Private Hire Insurance – Commonly referred to as Minicab Insurance. All pre-booked appointments usually taken at the minicab office/base.

Public Hire Insurance – Immediate Pick up. Can be flagged down in the street and will always have a taxi light on the roof of the vehicle. Black cabs are public hire.

Can I use my existing vehicle as a taxi?

Typical types of vehicles used are saloons, estates and MPV’s  - used for their size and ease of entry and exit for back seat passengers.

It is basically up to your licensing authority as to which vehicle they will agree to plate.

Will my taxi insurance be expensive if I have not had a taxi badge for long or if I do not have any Taxi No Claim Bonus?

Here at XYZ Insurance we have specialist schemes available for taxi drivers with no taxi no claim bonus. If you have no claim bonus on a private car we will take this into account and apply a discount allowing us to offer you a competitive quotation.

We also have heavily discounted schemes available for taxi drivers who have been driving a rental taxi or on somebody else’s policy and can obtain proof of this.

As a young company ourselves we are aware that everybody has to start somewhere and have very competitive schemes for new badge holders.

What is taxi insurance and how is it different to private car insurance?

Here in the UK,  it is a legal requirement to hold a minimum level of insurance to use your vehicle on a public highway. This type of insurance is commonly referred to as Private Car Insurance.

If you will be using the vehicle to carry passengers for hire and reward not only will you need to be licensed by your local authority but you will also have to purchase Taxi Insurance – Taxi Insurance will sometimes be referred to by the following terms: Taxi Insurance, Private Hire Insurance, Public Hire Insurance, Hire and Reward Insurance, Minicab Insurance or Black Cab Insurance.

What cover do I have to have?

The choice of cover is yours, we will be able to offer you:
• Full Comprehensive
• Third Party Fire and Theft
• Or Third Party Only

Are there any add ons or extras that may be beneficial to me as a taxi driver?

XYZ Insurance understand that your taxi is your livelihood and without it you simply cannot work. We therefore will supply you with a plated courtesy vehicle so you can continue working in the event of a non fault claim. For an extra premium we can also guarantee you a plated courtesy vehicle for 14 days in the event of a fault claim.

We can also supply taxi breakdown and public liability insurance at very competitive premiums. Ask an advisor for more information

Can I add my partner wife/husband to the policy for social use?

Yes. If it is acceptable to your local authority, it is absolutely no problem for us.

Can I add another taxi driver to my policy?

Yes.  Although this may increase the amount that you pay for insurance

What are the benefits of taking a policy with XYZ Insurance?

• UK based Call Centres
• Helpful and polite Customer Care staff
• We are open 6 days a week
• Excellent Claims Team
• Immediate Cover
• Flexible Payment Options

Get an online taxi insurance quote by clicking here.

If you require any further information regarding Taxi Insurance then please do not hesitate to pick up the telephone and speak to one our Taxi Account Handlers who will be only too happy to help with your enquiry.