Everyone wants to get the right taxi insurance policy for their needs, but it’s often the case that the policy you get is only as good as the company providing it. This means it’s just as important to look at the credentials of the insurer (as well as the policy) when you’re making your decision, so just what should you look for in taxi insurance companies?
It goes without saying that they need to specialise in taxi insurance. They could be an insurer entirely devoted to this arena or they could be a larger company with a dedicated taxi insurance arm – whatever they do, they need to do it well. Don’t think that bigger is always better because often you’ll find great deals, service and policies from smaller independent outfits, so always do your research to identify which company would be right for you.
Any potential insurer needs have a great track record and you need to be able to find great reviews from past customers, because having someone reliable is of paramount importance. Look at their small print to make sure you’re aware of any exclusions in their policies, and always ensure that you’re getting a comprehensive quote that can give you the level of protection that you’re looking for.
One of the most important things you need to think about is finding a company with a 24 hour claims line. It’s no good having someone that only operates during working hours – if you break down or suffer from an accident during unsociable hours or over the weekend (which is always a possibility in the taxi world) you’re going to want to get your claim started as quickly as possible, and waiting for their claims line to open can lose you valuable income while you’re waiting for things to be fixed.
Ultimately, taxi insurance companies need to be reliable, knowledgeable and customer service-oriented, being able to offer great policies at fantastic prices. This is always going to take a bit of research but it’s bound to be worth it, and you’ll be left with a policy that totally meets your needs.