All taxi drivers in Plymouth should have Plymouth taxi insurance in place before they start work, but some wonder whether it’s actually necessary. So what’s the point of having taxi insurance Plymouth anyway?
Well, the point of having Plymouth taxi insurance is actually quite simple – it stops you from breaking the law. Operating a private or public hire vehicle without the relevant insurance is a criminal offence, and if you’re caught without it you’re liable to face criminal charges and will also lose your job and your income.
Then there’s the fact that without Plymouth taxi insurance you’re not covered in the event of an accident, and neither are your passengers. This means that you’ll be liable for all costs incurred, and even more financial and criminal liability from your passengers if they get injured.
You also won’t have the benefits that come from having Plymouth taxi insurance, including extras such as windscreen cover, legal and medical expenses cover and breakdown assistance. Breakdown assistance is always essential to consider if you’re a taxi driver, as you don’t want to be stranded if you break down at Smeaton’s Tower.
But, we’re jumping ahead of ourselves. Without Plymouth taxi insurance you won’t even be able to work, at least not legally. If you’re a public hire vehicle then you’ll need to show proof of your insurance before you can start work, and if you work for a fleet then your fleet owner will want to see it too. Fleet owners certainly won’t let you work without any insurance, because they’ll be liable for any resulting accident or injury too.
So, there are plenty of reasons for having Plymouth taxi insurance, and you’d be wise to get it before you even attempt to start work if you don’t want to suffer the criminal and financial consequences.
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