What is Private Hire Taxi Insurance?
Private Hire Taxi Insurance is needed for vehicles that require pre-booked appointments in order to carriage people to their destination.
Services such as Uber, and cabs that work from a taxi base come under this classification. Private hire taxis cannot be flagged down in the street, as you could do with a traditional black-cab style taxi – these types of taxis come under public hire taxi insurance.
There are typically three base levels of coverage available for you if you have a vehicle:
Third party only (TPO): A third party policy is the basic level of insurance you are allowed to operate with as a taxi driver.
It will cover things such as your passengers and anyone to which you may injure within an accident you may cause.
Third party, fire & theft (TPFT): The cover is the same as TPO but also for fire and theft of your vehicle.
Comprehensive: This provides the same as TPFT but also covers you and your vehicle.
However, our network of brokers can tailor a policy to fit your individual needs at the most competitive prices.
What other optional taxi insurance coverages are there?
Being a taxi driver can lend itself to a multitude of unpredictable events – it’s the nature of the job!
Because of this, it may be wise to consider taking out optional taxi insurance coverages. Some of the options available to you are:
- Motor legal insurance: Motor legal insurance allows you to protect yourself with up to £100,000 of legal motor cover, which includes personal injury cover, the potential recovery of uninsured losses and a guaranteed replacement for your damaged vehicle regardless of whose fault the accident was.
- Taxi breakdown insurance: Breakdowns are as unpredictable as they come, and may hit taxi drivers especially hard seeing as your car is your livelihood. With taxi breakdown insurance, we can get your car up and running as quickly as possible and get you back on the road in no time! If repairs to the car can’t be made at roadside, recovery agents will get you to a local garage to undergo repairs as soon as possible.
- Excess protection: Excess protection simply covers you for excess amounts if you are hit by an uninsured driver, or if you’re at fault for an occurring accident
- Public liability insurance: Liability insurance protects not only yourself, but your passengers and ultimately your business against potential motoring claims and accidents.
Why Choose Us?
Total taxi insurance has undergone years of refinement and client-relations building to fully eliminate the stress of searching for a new policy at the lowest prices. We have built up relations with a vast array of brokers over a multitude of years, meaning that not only can we find you a broker that can tailor a policy to your specific needs, but we can also find a broker that can do it at the most competitive price on the marketplace.
As well as this, our vetting system is extremely straightforward and easy, and our customer care team have decades of experience.
From the moment we pick up the phone, we aim to provide you with a broker that can provide a bespoke policy suited to your needs at the most competitive rates on the marketplace – this whole process takes just 3 minutes.Get My Quick Quote | 0203 876 5047