Wednesday, November 17, 2010

Looking for Taxi Insurance: All You Need to Know

If you are a private hire driver you will need to obtain a private hire insurance policy in order to use your vehicle for business purposes. There are often lots of different options available to choose from when it comes to taxi car insurance.

If you are a minicab driver who has a fleet of minicab cars then a taxi fleet insurance policy may work out as a cheaper and easier option. By having a fleet insurance policy you will also be saving yourself the stress of handling many individual policies. Often insurers offer packages like this for companies with two or more vehicles.

If you are looking for taxi car insurance then it is wise to look around even if you are only looking for an individual policy, lots of online insurers will offer discounts and quotes via their websites. There are many different levels of cover available some taxi cars can be insure under fully comprehensive cover whereas other taxi cabs can be covered under a third party policy. Also the vehicles can be a mixture of public and private hire cabs.

Another plus point to private hire taxi fleet insurance is that policies often cover a variety of different vehicles meaning you can insure your minibus taxi as well as your saloon taxi under one policy. It is usually very easy to add new vehicles to the policy too.

One way to help reduce the cost of your policy is to carry out a risk assessment on your fleet. Make sure you name your drivers in the policy and that you have copies of their license documents to hand. Keeping an ongoing record of mileage and accidents and bumps can also work in your favour with insurers.

Some insurers offer policies via an 'any driver' basis but these are usually more expensive than policies where drivers are named.


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