If you are a private hire taxi driver, you probably work out of an office while you wait for bookings. Accordingly, in addition to the standard “motor” element to your policy, private hire taxi insurance should also cover your taxi base. If you rent your office, check that the buildings insurance is covered by the landlord. Even if it is, you still need to insure your contents for damage from fire, floods and theft. Your contents might include your phone and computer booking system.
Perhaps as a minicab firm you run a team of drivers. In which case, you may be able to add all of them to a single private hire taxi insurance policy.
Public hire taxi insurance
As a Hackney Cab driver you will spend more time out and about on the streets looking for fares, so it is statistically more likely that you could have a small prang. When you are looking for your public hire taxi insurance policy, consider taking a voluntarily higher excess, which will give you a cheaper premium cost. This does mean that you have to pay for the damage of such prangs yourself, but you will not damage your “no claims” bonus.
Being busy on the street the whole time you may not have a chance to call into an insurance office, so select a provider that has a UK based phone helpline that is available at to discuss your public hire taxi insurance needs at your own convenience.
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