Monthly Archives: July 2011

Risks of Driving without proper Hackney Taxi Insurance

Hackney carriage is a carriage or automobile for hire. In the United Kingdom, the name hackney carriage refers to a taxicab licensed by the Public Carriage Office (PCO) in Greater London or by the local authority in other parts of Great Britain, or by the Department of the Environment in Northern Ireland. Hackney taxi insurance is essential for anyone who drives a hackney carriage. It is a legal requirement to be properly insured before you can take your hackney carriage to the streets, and not having the proper insurance comes with several risks to you and your livelihood.
There are many risks of driving without proper hackney taxi insurance. By not having hackney taxi insurance you’re not only putting yourself at danger, but also your passengers and even your boss. That is why all regulated and licensed taxi firms, and all local authorities, should check that you have the proper insurance in place before you’re allowed to work so always make sure that they ask. The risks are as follows:

Because of the high cost of policy, many hackney taxi drivers are being caught without hackney taxi insurance. Thousands of pounds in court cost and fines were imposed to those caught. A few of drivers were given license penalty points for the violations; some received as many as twelve penalty points. In some cases it could even mean you have your license taken from you. A couple of drivers were jailed for driving a hackney taxi when they already had been disqualified from doing so. If you cannot find the money to pay the fines then your career as a taxi driver could be ruined.

It is not wise to drive a hackney taxi without cover or with the wrong type of coverage. Random checks of drivers are often completed to ensure that drivers and owners are covered with the type of policy the council or local authority requires. Cheap hackney taxi insurance cover may be available but make sure the policy covers the minimum that the local authority requires for you hackney taxi. Paying out for insurance ensures that you do not put your business at risk. For your better future choose those policies which give breakdown cover, medical cover, fire and legal cover in all possibilities.

With all of these inherent problems, driving without proper hackney taxi insurance is just not worth the risk. You’ll be liable for all costs, could get a criminal record and will find it almost impossible to work in the field again. Compare insurance and you will not fall foul of the law and be penalized

Special Considerations for Black Taxi Insurance

Black taxicabs are regulated throughout the United Kingdom and also a symbol of UK itself. A black taxi is one that the Public Carriage Office (PCO) in London has licensed for working. Black cab is not only an icon but also a source of income for drivers. If you are driving a black cab in UK then you will have different needs than other taxi drivers driving in other cities. That is why you need to get a black cab insurance to accommodate your needs and to get satisfied that everything is under control.
Insurance is vital for all motor vehicles, protecting both you and other drivers on the road. It has been made a legal requirement for a number of reasons. Not having the proper insurance comes with several risks to the person and his passenger. Black taxi insurance can be difficult to find as it has many restrictions and conditions that a driver must meet.
While insuring the black taxi cabs special considerations and careful thoughts are taken. Some of the considerations are as follows:
• When procuring your black taxi insurance, include what types of vehicles you will operate.
• The driving records of the drivers, where the taxis will service, and will be stored or parked.
• Look for policies that offer replacement cabs if you suffer an accident or a breakdown, as well as policies that include breakdown cover and windscreen replacement to make sure you can get back to work as quickly as possible. . Choice Quote Insurance Services has been providing black cab insurance since 1995.
• Make sure that you’re getting the most for your money.
• It also provides cover for repair work or any other expenses paid. But for your total protection, insurance is required which cover things like medical and legal expenses.
• You might find it best, to visit a company that deals exclusively with this type of insurance that get the best rates available.
To find the most suitable insurance you need to go to a broker. With the connections they may have built up, they could find you policies that meet your needs and still get you discounts to help you afford the black taxi insurance.
If you plan to operate a black taxi, you will need to make sure you have the minimum required policy in place. Many insurance companies offer this specialized type of insurance along with regular policies. However, you might find it best to visit a company that deals exclusively with this type of insurance to get the best rates available. No matter what you might decide to do, you should be sure you have not only the minimum insurance but also enough to cover any possible problems you might have. After all, the black taxi is your livelihood and you will not be able to support yourself if something happens to your taxi

Taxi Insurance Comparison on different Websites

There are two types of taxis running in UK:
Private hire vehicles: they are used for booked appointments. Drivers are contacted and asked foe the appointment and then they make their way to whatever place their passenger needs picking up. These sorts of cars are often called minicabs.
Public hire taxis: they cab be called by public on the streets anytime. These are often known as black cabs and hackney cabs/ carriages.
Whatever the sort of taxi you are driving, it needs some sort of protection. The best and proper protection is only obtained by comparing different insurance policies for taxis. These insurance policies are legally as well as morally required for not only protection of the driver but also for the protection of taxi and passengers. A number of different insurance brokers offer different taxi insurances with subtle differences of the cover they are providing. When it comes to choosing any insurance policy, research thoroughly and compares the terms and policies and selects that insurance that give covers to all your needs.
For comparing different policies you complete online forms and receive quotes. But the easier way is to get comparison of taxi insurance by different comparison websites. These comparison websites offer multiple quotes from different brokers. It only takes a few moments to fill in your details with your age, driving experience, private or public hire taxis, your area, and the type of covers you want. And within a few moments you are provided with selection quotes from which you have to choose one.
Taxi quotes comparison websites are dealing with a niche market. The browsed result page for insurance comparison provides you with a number of choices of options including breakdown cover, replacement of vehicle if damaged, business interruption, accident cover, fire and theft cover and public liability insurance etc. you can either buy policy online or by telephone to purchase the policy. Different websites provides comparison of taxi insurance in UK. It consists of three different kinds of sites:
• Bollington: it is an example of the phone quote site. It does not require your information. Instead, you can browse information about insurer’s policies and covers they offer. And after getting all the information you can give them a call later, providing them with your particulars. Then they will provide you with a quote and the details of the policy that was offered.
• Quote my cab: it is a website that has a call back form where you can fill the details of your taxi and your driving history. Then the site’s administrator contact various insurance brokers. After finding an appropriate quote for your taxi, brokers will come back to you.
• MCE: this site is for those people who do not want to do anything over the phone. Instead, they prefer online process for their taxi insurance. This site provides comprehensive forms, which is submitted online and accurate quote or policy is offered to you.
The main reason of taxi insurance comparison website is to help you to choose the right deal and the right provider

Cheap Mini Cab Insurance

A mini cab can also be called as a private hire car. It can only be hired by booking and cannot be flagged down on the street. It is a source of income for its driver. Driving a mini cab means having different needs than other different taxi drivers. Due to this reason it is necessary to get a mini cab insurance to accommodate your needs and to get satisfied that everything is under your control. Insuring your mini cab means protection of both you and your passengers. For this reason everyone is always on the lookout for cheap mini cab insurance with the best deals possible. This needs you to learn the requirements of the region where you will be driving the minicab. Following are some of the features that help you to select cheap insurance for you mini cab:
Minimize the amount of cover you get. Avoid getting too much cover and stick to the necessary ones. This will help you to recover the minimum amount of cover that is needed.
Looking and searching around is the best way to save money on mini cab insurance. You can get quotes from different insurers and then make a decision. These quotes help you to find minimum premiums for your mini cab.
Sometimes negotiating premiums is very helpful. It is worth a try and many companies are willing to negotiate and offer you with different policies.
Maximize the number of discounts that you can get from an organization. Most of the people cannot get maximum discounts on policies because they do not know about them. So get information of all the possible discounts you can get on a policy.
Consider driving a mini cab after you are 25 years old in order to enjoy a cheap mini cab taxi insurance. This is because of the reason that at 25 years of age cover drops significantly due to the fact that statistically after 25 years the drivers are involved in fewer accidents.
Cheap mini cab insurance consists of following features:
• Protected no claims bonus available on mini cab insurance
• Introductory discount for private car no claims bonus
• Liability cover for contract work available for mini cabs
• Experience discount
• Drivers over 25 years of age
• Flexible payment options on all mini cab insurance policies
Mini cab insurance is mostly easily found online. There are many companies that provide you with different deals and quotes. Searching for the best and cheap mini cab insurance of your cab, online, will require you to apply to different companies to compare policies, premiums and quotes, allowing you to find perfect deals. Surely, a huge range of quotes will be presented to you. So look through them carefully and make sure that it is everything you require. This will save your time, effort and money and it is worth considering