Private hire vehicle insurance drivers#
Private hire vehicle insurance driver#

Many private hire drivers normally use their work vehicle for personal use as well, as it doesn’t make sense to purchase a second car for these tasks. If your car is being used for non-work purposes, personal use cover will be required.

Private hire vehicle insurance driver#

If a driver is involved in an accident at 4am, they will want to find a resolution as soon as possible rather than wait. Why? Because many working in this sector will be operating during unsocial hours.

The reason this is so important to those working in the industry is because they will want to be back on the road as soon as possible to generate income.Ī 24-hour claims assistance line is another helpful extra for private hire drivers. This is useful if your taxi breaks down or is involved in an accident and needs to be repaired or replaced. With that being said, you don’t actually need to purchase breakdown cover through your private hire taxi policy, as it can be bought separately from a different company.Ī courtesy car will be offered in many comprehensive policies. It could provide separate onward travel to ensure your passengers reach their destination.

These typically consist of the following:īreakdown cover may well be the most valuable optional extra. Many insurance providers will also suggest a number of optional add-ons that can be included as part of your policy. You and your passengers will be protected in the event of an unforeseen incident. You can expect a private hire taxi insurance policy to include motor cover along with passenger liability cover as standard. What does private hire taxi insurance cover? This must be declared to the provider as any equipment must be able to be repaired or replaced should an incident occur. Vehicle modifications– If your taxi has been modified in any way e.g. With this in mind, you will need to ensure that if you opt for this cover that it has the necessary inclusions that a private hire insurance policy would. Number of vehicles – Fleet cover may be recommended for those that have multiple taxis as part of their business. Vehicle type – Some taxis have more than the usual five seats. Below are some factors that will have an impact on your insurance:īusiness type – Private hire taxi drivers should only be transporting passengers who have pre-booked a journey.īusiness operation location – Your cover must make mention of where you are operating. This makes it of utmost importance to have the correct policy with the right protection. Those that are involved in pre-booked taxi services will not have sufficient cover with a standard car policy. Due to this, drivers will need adequate private hire insurance as they carry a higher risk factor. Many in this industry will be working in congested areas and during unsociable hours. Taxi drivers will cover a lot more miles each year when compared to a typical car driver who will mainly drive to work and back. However, before you start looking, it’s helpful to know a little more about private hire cover in our beginner’s guide below. By entering a few details which shouldn’t take more than 10-15 minutes, you can compare cover from a whole range of leading providers. Drivers will be glad to know that private hire taxi insurance doesn’t have to be costly and a great deal can be found by using an online comparison site. Those working in this profession will understand how important their car is to their work, making it essential that they have the relevant protection with a suitable policy. Private hire insurance is a specialist type of cover that taxi drivers can take out to cover themselves and their vehicles.