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Minicab versus black cab – which offers greater earning potential?

Taxi insurance quotes
As a prospective cab driver, choosing which route to go down can be a bit of a conundrum. Both private and public hire have their benefits and their drawbacks. It’s a good idea to work these out before committing to see which would work best for you.

Average fare earnings

The general consensus is that a public hire black cab is going to offer better per-fare-rates than a private hire minicab. Public hire cabs are charged by the meter, and when working in a city, this can be beneficial for a driver, if not the passenger.

Minicabs will usually charge less than a black cab for the same journey. While this won’t work out as well per-fare, it’s likely that you’ll find more customers. Prospective fares much prefer to have a heads up on how much a journey will cost them, and also quite like the idea of being able to find the best deal. As a private hire taxi, you can agree on a price which is fair to all involved.

Perceived dangers

If you have a good booking number to work from, then working as a private hire driver will be fine. However, with the bad press and current ad campaign warning people to avoid unbooked cabs, this may well harm your chances of happening across a fare. This is not so much the case with a black cab.

Black cab drivers are licensed by the Public Carriage Office in London, or by the local authority elsewhere, and have been licensed this way since the times of the horse-drawn cart. This inevitably installs a little more trust in a fare. The checks required before being issued one of these licenses is seen to be more rigorous than with private hire. They also have to go through an additional test known as ‘The Knowledge’, which ensures they have specialist knowledge of the area(s) they operate in.

Of course, despite taking ‘The Knowledge’, you can find a lot of black cab drivers become lost and the extra time spent finding your destination just adds to the fare. This is why some people see private hire as a safer bet as far as costs go and usually have a couple of good numbers on them for trusted private hire firms.

Getting ready

First off you are going to need a car. To buy a used black taxi, you are looking around the £30,000 mark. When it comes to private hire cars, you can use any vehicle, so long as it passes the relevant tests and is fully road worthy.

Next you will need taxi insurance. Insurance companies offer both public and private hire-insurance for drivers and it’s a good idea to shop around. Insurance is a legal obligation for all drivers, but also provides a good financial safeguard should things go wrong.

Insuring the Elderly Driver

Insuring the elderly is sometimes a challenge due to presenting medical conditions, slow responses, and vision disabilities. AARP insurance is currently giving quotes on car insurance for people over fifty. These car insurance quotes vary depending on the elderly individuals driving record. A good driving record could keep the cost down but poor driving records, recent wrecks, and traffic violations could keep the quotes high. Anyone can go online to request an online car insurance quote. The quotes are sent to the individual’s email.

When the elderly is researching a car insurance quote, they will need to provide specific information such as the VIN number on the automobile. Providing the VIN number allows the insurance company to check out the vehicle history and understand the type of vehicle they are quoting car insurance. Low auto insurance quotes are available for vehicles that are safe, and paid. The driver usually has to carry more insurance when the automobile is financed. Full coverage is a requirement on vehicles that finance companies still own. AARP insurance can help with an online car insurance quote. Auto insurance quotes can help elderly individuals to choose the coverage that they can afford.

Auto insurance quotes can vary depending on the amount of deductible. Individuals searching for an online car insurance quote may not accept the first car insurance quote they receive. When the elderly is, trying to keep their cost down, they will increase the deductible amount as well as agree to drive less. Low mileage on a vehicle cost less than a vehicle that is driven excessively. Medical for the elderly individual as well as the potential other driver can be something that car insurance agents can reduce. Reducing this cost will cut down on the cost by a few dollars.

When searching for automobile insurance, take the time to collect all of the necessary information to provide for the online insurance quote. Having information accessible will give the shopper the advantage. Insuring the elderly is possible and inexpensive with the correct information and good driving history. Affordable plans are available on websites such as AARP.

How much does taxi insurance cost?

It’s a legal requirement for all road vehicles to have motor insurance. The difference between standard car insurance and taxi-insurance is that taxi-insurance only covers motor vehicles that transport passengers for hire and payment.

Taxi insurance companies provide cover for minicabs, black cabs, minibuses, taxi fleets as well as public and privately hired vehicles. And in order to be eligible for taxi-insurance your vehicle(s) must firstly be licenced by your local authority.

Public or private

In the UK, there are two types of taxi-insurance: public and private-hire insurance. The former refers to vehicles that immediately pick-up passengers in the street, e.g. London black cabs, whereas the latter is only relevant to taxis where appointments and pick-ups are prearranged.

Most policies are either Named Drivers or Insured Only and, generally speaking, as the number of drivers on a policy increases, the cost of the premium rises. The premium will vary, however, depending on not only the number of drivers that you have, but their age and each of their no claims histories will also play a part in the cost of the premium.

Appropriate cover

Most taxi-insurance companies such as Swinton taxi insurance offer most of the traditional options such as Comprehensive/Third Party Fire and Theft and Third Party Only cover, but there is plenty of variety within each policy, so it’s important for you to research the cover best suits your business.

Taking some time to assess your company’s needs and the appropriate level of cover it needs can save you a lot of money, but beware false economies. While scrimping on cover will save you from larger premiums, having insufficient cover to get a damaged car back on the road is catastrophic to a business that is so heavily reliant on exactly that.

New company

If you are new to the taxi business and have started up your own taxi company then you should ideally shop around online for a cheap quote. Head for the online comparison websites where you should find some of the more reputable insurers. Don’t always go for the cheapest as you may find that it’s cheap simply because it provides less cover.

If you are able to demonstrate a good driving history through previous private car insurance policies or company car insurance policies, then this will definitely help lower your new quote. Where your business is based will of course have a huge bearing on what you pay.

Safety and security

As will the safety devices you fit to your cars, and where you store them. As with most vehicle insurance policies, if you can show the insurer that you keep your vehicles locked in secured areas, as opposed to parking them in the street, this will help to significantly lower your premium. Investing in high-tech reputable alarm systems and immobilisers may seem expensive to start off with but you will make immediate savings through reduced premiums.

5 Things Your Taxi Insurance Should Have

The best taxi-insurance policies are the ones that give you everything you need. A great price will always grab your attention, but it’s always good to check what you get for your money. A low premium might seem good, but if it doesn’t give you the best of everything, then you might be better going elsewhere. These are some of the things you should look out for when you’re comparing policies:

  • Dedicated Service – It’s always better to have an insurer who is a specialist in insuring taxis and not just a general insurance firm. Generally they’ll give you the best price anyway, but they’ll also give you a much better service if and when you have to make a claim. They’ll also be in a position to give you a wider range of relevant products, including courtesy cars or replacement taxis.
  • Unlimited Mileage – You’re going to do a lot of miles in a year, and you have no real way of knowing just how many that will be. Having an unlimited mile policy means that you’ll never have to worry about going over your limit any paying excessive extra costs. It’s often not a huge increase in the cost of the policy either.
  • Legal Expenses – If the worst does happen, and you have to make a claim, then you could be in for a shock if your policy doesn’t include sufficient legal expenses. Make sure that your policy includes full legal expenses cover for whatever situation that might arise. Legal costs can be extremely high, so this is essential.
  • Discounts – The best insurers will offer a variety of discounts in several forms. You might get a good price for being a new taxi driver or company, and you should always accrue discounts for having a no-claims-bonus. Experienced drivers should have this protected. If you’re new to taxi driving, make sure that any quotes you get take into account any claim-free driving with a private vehicle.
  • Extra Insurance – There are a number of extra types of insurance that might be beneficial to you, and it always helps if your policy or insurer offers these. Public liability insurance is essential. Fleet and office insurance is clearly not for all drivers, but it’s great if a fleet can be completely insured under one policy.

This is not a comprehensive list, and as a general rule, you should try to get as many extras as possible to get as much value from your money as you can. It often takes a long time to search through policy details to find out all of the information you need, especially when comparing different insurers, but it can be much easier if you get taxi insurance. They are a taxi-insurance specialist who will help you to find the best quotes and prices. They search a wide panel of insurers to find you the right policy, and have excellent relationships with those insurers, meaning they can offer the best rates.

Get the Cheapest Van Insurance

Everyone today wants to save money when they spend money. Insurance can cost a lot to manage but it is required in a number of situations. The cost is usually higher when you pay for premium insurance plans. This does not always suit your budget and the higher premiums can become a headache to deal with. Owning a van is great but without van insurance, you cannot drive it around. Getting van insurance is mandatory for you to be able to utilize your van.

However, if you are looking for a way to find the cheapest van insurance available, you need to be smart in how you select your insurance. You also need to know that finding the cheapest insurance is all about being smart, doing your research/homework, and assessing your options.

Be Smart. Van insurance like all other insurance is tailored to certain needs and premiums are based on certain profiles. There is insurance that is available for business owners, drivers, personal van owners and even those who trade individually. The type of van insurance that you choose to get will be based on what functions you use the van for. Comprehensive insurance will include insurance for certain things on the van such as the doors, keys and locks among other things. The size of your van is another thing to factor in. A larger van may attract a larger insurance package.

Do your homework. Once you have assessed the different packages, be sure to set your budget. If you do not have a budget range, you will not know when you have reached your limit. Find out what extras and add-ons do you want covered under the insurance plan that you have selected. Also review and compare quotes for van insurance policies that are in your area. Some insurance providers will charge your quote based on how often you drive the van. This will give you an idea what the cost involved in insuring your van will be. It can also help you to decide what extras you want covered under your van insurance plan.

Assess your options. Once you have the quotes and different insurance policies in hand, it is time to assess your options. Some insurance companies will give you the cheapest van insurance if you provide as much information as possible about the van and what it is used for. To find the most reasonable deal on van insurance, you need to bring your options down to the lowest price and the best value for money, package. Everyone wants to save money but not every insurance company is willing to help you save money. You should choose the best insurance plan that fits your budget range and gives you value for your money.

If you want to find the cheapest van insurance, you will have to have an eye for a bargain. Look for any discounts, bonuses and incentives that reduce your premium payments. Also remember to be smart, do your homework and assess your options before selecting any van insurance package.

This article was written by the PR division at Cheaper Van Insurance. For more information please visit www.cheapervaninsurance.co.uk

How Do You Know If You Have Cheap Car Insurance?

Television commercial, magazine advertisements, and more seem to regularly point out the fact that you may not have the most affordable car insurance available today. If you are like most people, you made an effort to compare car insurance months or even years ago when you purchased your existing auto insurance policy. Your may have gotten a few quotes and made the decision at that time to take the lowest quote you found. Yet the fact is that if it has been more than six to twelve months since you last got a quote for your insurance, you may not have the cheapest insurance policy available. So how do you know if you have cheap car insurance or not?

Rates Change Frequently

Many drivers today do not realize just how frequently insurance rates change. There are so many factors that go into calculating a driver’s insurance cost. These factors include vehicle-related crimes in your area, your age, your driving history, the value of your car, the average repair costs for your car, and more. These factors change with time, and insurance rates fluctuate to accommodate these changes. More than that, each insurance company looks at these factors a bit differently. So the insurance company that offered the best deal for you last year may not have the best rate for you today.

Shop for Savings

Because rates do change frequently, the only way you can possibly know if you have cheap car insurance today is to shop around for new quotes. Many experts actually advise drivers to shop for rate quotes every six to twelve months to ensure that you never pay more than necessary for your auto insurance. One of the most efficient ways to shop for rate quotes is to use a rate comparison website. These websites provide you with the ability to gather numerous rates with just a few minutes of your time. Once you have several quotes in hand, you can then easily determine which company can provide you with the lowest price for your auto insurance today.

Car insurance is one of those expenses that drivers simply must pay for, but you don’t have to pay more than necessary to protect yourself while on the road. By making an effort to shop for new rate quotes regularly and by using price comparison websites to streamline that process, you can always feel secure in knowing that you are not paying more than you need to for your car insurance policy.

Compare Classic Car Insurance Deals to Save

Insurance is one of the most important aspects that any car owner ought to take into consideration. Insurance will always differ according to the specifications of the policy. Consequently, classic car insurance usually only covers vehicles that are at least twenty years old. With this, there ought to be a limited mileage, which is normally a requirement. The reason behind this is that classic car policies in most cases cover those vehicles that are not in regular use.

The mileage required for such a car is normally a minimum of 5000 or below. In most cases, you will find that many cars are old-fashioned, and thus they are valued commodities. It is thus important to agree on the value of its cost before you take on the insurance. Without this, you might be surprised that you may not be able to get the true worth of your vehicle during your claim. It is always advisable to make sure that you keep track of your car in terms of its quality, to make sure that you always get the full valuation amount of the vehicle, when you make a claim.

When looking for the best policy, it is not advisable to opt necessarily for the cheapest. Being an older car, it would mean that it needs extra care when handling. The main difference when you compare classic car insurance and the regular car insurance is that classic insurance value is based on a pre-agreed value while in the case of the regular car insurance; it pays the actual cash value of the car. For best cover, it is important that the owner of the car submit it to the insurance company when purchasing the policy.

There are also the garaging requirements. The owner should store the vehicle in a very secure garage, probably one that is enclosed and locked. A classic car is thus a very valuable asset on the road, and the best insurance is highly advisable always. This will make sure that the owner has the peace of mind knowing that the car is covered in case of anything. If you own a classic car, then it is high time you consider this type of insurance that has proved to be beneficial in all aspects. Get the best insurance only from the best insurance company.

Private Transfers Malaga

By pre booking your transfer from Malaga you can arrive content in the knowledge that you won’t have to worry about language barriers and long waiting times when you arrive. There is no guarantee that a taxi or transfer would be available to you as you arrive it is much wiser to pre book and save yourself time and money.

You should attempt to book your transfer at the same time as your flights to Malaga and holiday, this way you’ll make the best savings and be sure of getting a booking to suit your needs. Once booked the company will send you all of the relevant details you will need to get to your final destination. They also send a confirmation of your booking nearer to your time of travelling. Ensure you take with you all of the appropriate booking references.

A Transfer shuttle works in a different way to a private taxi and for this reason the cost is a lot less. You will be met at the airport by a member of their staff who will take you to the shuttle bus. Shuttle busses can work extremely well if you have extra luggage, sometimes there is a supplementary charge so make sure the travel company is aware of this prior to travelling.

A shared shuttle transfer usually leaves within 45 minutes of your arrival the company tries to guarantee that you won’t have to wait around for passengers for longer than this. Once on board your bus may make more than one stop. You will have been told which stop is yours and where you should disembark. Generally speaking you are always within short walking distance of your accommodation if you can not stop at your accommodation itself.

Airport transfers from Malaga are a safe method of reaching your destination without having to worry about it when you arrive. Transfer companies hold public liability insurance but you should always make sure you have private personal insurance in place when travelling abroad.

Airport shuttles are a very affordable way of reaching your destination. Often when you book a taxi transfer they will charge you a set rate for the size of vehicle which they use if your group is either quite small or a strange size you can find yourself paying for empty seats. A shuttle transfer eliminates this problem and will save you money.

Travelling in a shuttle bus is also a sociable occasion it’s a great way to meet people of a like mind who might be staying at your destination. The Sierra Nevada Ski region is relatively close to Malaga a shuttle transfer to this region is the best way of reaching the Ski resorts near to Granada; they make a fantastic winter break destination.

Holiday taxis offer a similar service to Resort Hoppa, their prices are based on the type of vehicle which is used. Again it depends on the size of your group as to how much money you may save; take a look at their booking system to see how you fare. They also offer a premier service for any one who wishes to travel in luxury. Holiday Taxis are also taking a ‘greener’ stance regarding vehicle emissions; this allows you to off set your carbon footprint for a small fee.

Instant Taxi Insurance Quotes

If you are looking for an instant taxi insurance quote, you can visit many different sites that have what you are looking for. A basic policy that provide as part of an instant taxi insurance policy should include the minimum coverage for the area you will operate your taxi including liability insurance that protects your passengers and other people on the road. If you do have an accident the liability insurance is there to protect not only your passengers but he people in the other vehicle or vehicles. No one can operate a vehicle without at least liability coverage. If you do so, you could find yourself in serious danger from an accident that is your fault or from a random check of the vehicle’s insurance from the local authorities. As part of the instant taxi insurance quote you may receive, liability coverage will be included.

 

Other types of coverage may or may not be included in the policy. Some policies may include breakdown and assistance coverage, theft and fire coverage, legal expense coverage, loss of income coverage, windshield and glass coverage, and others. However, most instant taxi insurance policies will not include these types of coverage and you will have to make a determination of whether or not to use this optional coverage. Most of the coverage should not be considered optional if you want to remain on the road. Breakdown and assistance coverage could be a livelihood saver if your taxi breaks down and you need to have it towed and repaired quickly. Everyone has to be concerned about theft and fire. If someone breaks into your taxi and you do not have this type of extra coverage, you could find yourself with delays or costs that you cannot afford. Legal expense coverage can make up the difference you may need to procure a legal representative to help you out. If for some reason your vehicle is out of commission, loss of income coverage can make the difference between being able to pay the bills and going out of business. If you want to get an instant taxi insurance quote that will provide you with an instant taxi insurance policy, be sure to consider the extra coverage that you may need.

Is Driving Without Hackney Taxi Insurance Wise?

Because of the high cost of insurance, many hackney taxi drivers are being caught without hackney taxi insurance. This situation can prove disastrous for you and your livelihood. In a recent sting operation completed by authorities, dozens of hackney taxi drivers were swept up for operating a hackney taxi without insurance or with the wrong type of coverage. Thousands of pounds in court cost and fines were imposed to those caught. Dozens of drivers were given license penalty points for the violations; some received as many as twelve penalty points. Some drivers had their license suspended and others were placed on extended suspension. A couple of drivers were jailed for driving a hackney taxi when they already had been disqualified from doing so. Many of the drivers are now faced with repaying fines that they no longer have a means to pay and others are disqualified from driving.

It is not wise to drive a hackney taxi without insurance 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 may be available but make sure the policy covers the minimum that the local authority requires for you hackney taxi. Do not let what happened to these other drivers happen to you. Now many of the drivers need to work to pay off the fines and do not have the ability to. Those that still can operate a hackney taxi have multiple points placed on their licenses and the cost of insurance will rise dramatically. This situation could prove very expensive for the driver or owner and make it almost impossible to remain in business. Take the time to find the right policy that you can afford to ensure you do not place your hackney taxi in jeopardy. The list of defendants routed out in the sting operation was very long and they will feel the effects for many years to come. Do not make this mistake and be sure to carry the right type of hackney taxi insurance.