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Being a taxi driver

February 2, 2012 by

Taxi Insurance

Delivering passengers safely

Taxi drivers are mostly people who enjoy other people. As a taxi driver you encounter many persons from around the world, some talkative and interesting, others that never say a word except to give out the address where they want to be taken. Then, there are passengers who do not stop talking. These people are stressful to have to listen to while you drive them around, especially if it takes a while to their destination.

Taxi drivers are in this profession for numerous reasons.

• They enjoy driving passengers
• They find that it provides them good money
• Their work time are their own hours
• Students for extra income
• Immigrants who have trouble finding other employment

Whatever the reason, taxi insurance is necessary. Negotiate with the insurance providers in order to have good no claims discounts and a flexible payment option to fit in with your cash flow. Furthermore, you want to deal with a company that has a claims line open 24/7, in case of the necessity of making a claim in a hurry.

Adequate Insurance

There is a lot of confusion with both the taxi service system, and the taxi insurance system in the UK, as there are so many types of taxi services and insurance schemes. When looking for a policy, try to cover yourself as adequately as possible. Self- protection, anybody that is in your employ, your car and your passengers are all top priority for you needing insurance and you certainly do not want to find that you are under insured if a need to make a claim arises.

Furthermore, take into account

• The cost of operating, maintaining and replacement of your vehicle should there be theft or fire
• Security regarding assault or vandalism
• A possible legal cost or medical fees for claims made against you for any reason

Taxi insurance is divided into Private Hire and Public Hire. Taxi drivers licenced for Private Hire, carry passengers on a pre-arranged basis, whereas those licenced for Public Hire are the Black Cab and others, who pick up passengers at random.

UK Taxi insurance is available from Red Metro


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