Insurance is essential for all taxi drivers. Indeed, if you work for a taxi fleet then the owner is likely to check that you have it before you’re allowed to work, for the safety of not only you but for the safety of them as well. Not having insurance for taxi drivers is likely to see you unable to work, and as such you need to make sure that you have everything in order before you start.
Insurance for taxi drivers protects you while you work but it’s also vital for the protection of your passengers. You need to be prepared for all eventualities, and as such you’ll need to be insured for any accidents or legal issues that could arise. By having insurance for taxi drivers you’re completely covered and, with the right cover, so are your passengers, so you’ll be able to work with complete peace of mind.
If you work for a fleet then insurance for taxi drivers is even more important, as if you have an accident on the job then it won’t just be you that’s liable, but often the company that you work for as well. This means that you’ll have to make sure that you’ve got all of your insurance together before you apply for a position in the fleet as the owner will understandably want to make sure that they won’t be liable for any mishap.
You’ll often find that this type of insurance is a lot more expensive than insurance for drivers of regular cars, but unfortunately that’s the price that has to be paid to work in the private hire field. Statistics show that taxis are more likely to be involved in an accident, so as such the premiums will cost more to account for it.
As you can see, insurance for taxi drivers is an essential component that has to be sorted before you start work, and be prepared to have to show proof of this to the owner of the taxi fleet (if applicable). Insurance for taxi drivers covers you, the owner and your passengers, and enables you to work in complete confidence.
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