A hackney carriage is the traditional name for a London black cab, or, in other words, a public hire vehicle that’s licensed by the Public Carriage Office in London or by the local authority everywhere else in the UK. As with all private hire vehicles, and indeed all motor vehicles of any kind, a hackney carriage needs to be insured before it can be driven on the road. Hackney carriage insurance is vital to protect both you and your passengers, but what are the implications and possible difficulties in getting hackney carriage insurance?
Hackney Carriage insurance can be found via a number of avenues, from contacting an insurance broker to doing your own research. However, you may find that hackney carriage insurance is harder to come by than insurance for other private hire vehicles because it’s such a unique vehicle, being able to stand for long periods of time in a taxi rank and even being flagged down in the street, which other private hire vehicles cannot do
You’ll often find that only a select few insurance companies will offer hackney carriage insurance, ultimately because it’s a lot more specialised and there are many other things you need to take into consideration. As such, many hackney carriage insurance companies are specialised in their field and insure many private hire vehicles, meaning they know exactly what you’re after
One of the most important things to consider when choosing your insurance is the level of cover that you’re given. You need to be able to insure not only yourself and your vehicle, but also your passengers. It’s a good idea to look for policies that come with medical and legal cover for all eventualities, as well as breakdown assistance to get you back on the road as quickly as possible
You should also look for hackney carriage insurance companies that offer quick response times to claims and, if possible, a replacement cab in the event of an accident or a breakdown. Above all, when choosing hackney carriage insurance always check the small print to make sure that you’re getting the right cover for you and your cab.
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