Hackney taxi insurance is essential for anyone who drives a hackney carriage. It’s a legal requirement to be properly insured before you can take to the streets with your taxi, and not having the proper insurance comes with several risks to you and your livelihood.
One of these risks is of course the legal aspect. Failure to have the proper hackney taxi insurance is an offence, and being caught without it will result in a criminal record. You’re likely to lose your license and even if you get it back will find it extremely difficult to work in the taxi field again.
Then let’s consider the financial aspect of driving a taxi without the proper insurance. If you do have an accident or breakdown you’ll be liable for all of the repair costs and any legal expenses yourself, and those costs can quickly mount up. And while you’re off the road you’ll also be unable to work, so without breakdown, replacement or claims assistance you’ll be seriously affecting your livelihood.
By not having hackney taxi insurance you’re not only putting yourself at risk, but also your passengers and even your boss. You and your fleet owner will have to take all responsibility for any issue that could arise, and no one will be too happy to realise that you’re not properly insured. This is why all regulated and licensed taxi firms, and indeed all local authorities, should check that you have the proper insurance in place before you’re allowed to work so always make sure that they ask.
With all of these inherent problems, driving without proper hackney taxi insurance is just not worth the risk. You’ll be liable for all costs, could get a criminal record and will find it almost impossible to work in the field again. Even if you do manage to secure a job in the future you’ll often find that your insurance premiums will be through the roof, so in the long run it’s much wiser to avoid the risks and get sufficient hackney taxi insurance before you even consider applying for work.
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