Driving any kind of private hire vehicle in Lisburn will require a more specialist type of Lisburn taxi insurance, but a lot of people wonder whether black cabs need something that’s different again. So, will you need different taxi insurance Lisburn if you drive a black cab?
A lot of the time, Lisburn taxi insurance is pretty much the same for black cabs as it is for other private hire vehicles, with the same considerations needing to be taken into account. The only major difference will be that you’ll be working on your own rather than in a fleet, and will have to show the relevant local authority proof of your cover.
Lisburn taxi insurance always needs to have the usual cover to make sure that both you and your passengers are covered for all eventualities, and to make sure that you can get back to work as quickly as possible in the event of an accident or breakdown.
However, black cab drivers might need to think more carefully about the level of covered that’s offered as well as the extras included, as you won’t have the fleet to fall back on if you come unstuck. It’s essential to consider things like windscreen cover and breakdown assistance, as if you break down going to Hilden Mill you’ll be on your own and won’t be able to call your fleet owner to pick you up. Loss of earnings cover will also be an essential consideration, as if your cab’s off the road you won’t be able to use an alternative car in the fleet and will be jeopardising your income.
So, driving a black cab will require you to have specialist Lisburn taxi insurance. Although the cover will be incredibly similar to regular private hire vehicles you’ll probably have to think more carefully about the level of cover that you need, so make sure that you’re not on your own by always having adequate Lisburn taxi insurance in place.
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