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Taxi Cab Insurance;What is UK Black Cab insurance Legal cover?

Black cabs have become UK’s icon. They are the main mode of transportation, to ensure that they always stay that way you need taxi cab insurance. There are a number of different considerations that should be further looked into when looking for a taxi cab insurance quote. Some companies only specialise in larger cities such as London, or Birmingham whereas some focus only on the small cities such as Reading or Lancaster. So first of all it is necessary that the company you choose for your insurance quote covers all locations within the UK.

The typical criteria that will help in determining your premium and its percieved risk will involve questions such as the taxi driver’s age; the number of years he has held his taxi badge for; period of years that you wish to be insured for; age, make and model of the taxi that you wish to insure and the added alternative of a replacement vehicle should the current one go out of commission.

Some insurance companies strongly advise taxi cab drivers to also look into and take into serious consideration the options of a public liability cover and a legal fee cover. Legal fee coverage would help in the case of a court ruling or a situation where your driver may get stuck on the bad end of a court order, if such a case arises your taxi cab’s insurance will take care of any legal expenses that might take place.
Some companies also give out extra added benefits such as insurance for new badge holders, a 24-hour claims service, flexible payment options, a choice for a 3 level insurance cover including; third party fire and theft, third party only and comprehensive insurance. Also some insurance brokers compare rates from some of UK’s top specialist taxi insurers and get you their least expensive and their best possible taxi cab insurance quote. This is means that now you get more for less!

Be sure to keep in mind all the above given factors and expand your market research, as this is the only possible way for you to get the best taxi cab insurance suitable for you.

Public Hire Taxi Insurance

Public Hire taxis are the ones which you call upon specifically from your home to run you an errand or to simply take you to where you want to go, they are a bit more personal and as with all taxis even you public hire taxi needs insurance!

Just like you insure a personal car, a taxi needs insurance too. However it is somewhat complex to get public hire taxi insurance as most drivers do not have the information needed for taxi insurance. To get the right kind of insurance for your public hire taxi you need to know about the taxi insurance market in more detail before you get any kind of insurance coverage. Taxi insurance is an absolute must for those who are out all day ferrying passengers to their desired destinations, this job involves a lot of responsibility and it has a lot of risks involved with it that the first step as to why public hire taxi insurance is quite necessary.

Insurance of any kind covers your business’s financial status entirely in case your taxi meets with an accident. Since accidents cannot be foreseen before hand it is necessary to take precautions against it. Insurance provides the precaution you need to take for the sake of your own life and the life of your passengers; if a public hire taxi meets an accident without any insurance coverage there is a heavy price that the company is going to have to pay for. Insurance helps ease the financial burden, in case of an accident, on your company. There are 3 kinds of insurance, comprehensive, fire and theft and third person insurance. In case of an accident with a passenger on board, your third person insurance will help in covering all of their medical costs as well if any. Comprehensive insurance on the other hand takes care of all the day to day repairs or services that would be needed by your taxi, such as oil changes etc.
Without insurance stiff penalties maybe brought upon your company, that’s why it is necessary for you to insure your public hire taxi today.

Taxi insurance UK

The first step in becoming a cab driver involves you in making a choice in between whether you would like to operate a hackney carriage or a private hire taxi.
Hackney Carriage vehicles are referred to as taxis casually. They are fitted with a fare meter and can stop on the side of roads to pick and drop passengers; they are also fitted with a taxi top light. Private hire taxis on the other hand work differently; these taxis are only permitted to take customers who have booked them before hand to their desired destinations. They may have a fare meter fitted into them and unlike Hackney Carriages they cannot ply for hire.

Now once you have made your decision as to which kind of taxi driver you would like to be you then have to know the three types of driving licenses that exist. Firstly there is a Hackney Carriage license, then a Private hire license and lastly a combined license which allows you to be able to operate both kinds of vehicles. Next of, the applicant, that is you, must of age 21 or above to be able to even apply for an application pack which is the first brick in the road towards becoming a taxi driver. There is a standard driving test which is at a slightly higher level than that of a learners test. You will also be asked random Highway codes and traffic signs to test your road knowledge verbally.
Next you will need to produce a disclosure document which you can get by contacting the Criminal Records Bureau. Since they need a full disclosure the police and several other agencies will be involved in this procedure. Next you need to hand in a medical certificate which shows your health and any type of ailment which you maybe suffering from. After handing all required documents, the applicants have to pass a knowledge test of the geography of the district.

Remember, without taxi insurance none of all the above would matter since taxi insurance is the most important thing in the UK and without you can not be a taxi driver

What defines a mini cab?

Minicab in England is used to refer to a private hire car and “private hire” is used in Scotland. As the name suggests these are passenger vehicles which can accommodate either 4 passengers in its 4 door saloon/hatchback or 5-8 passengers in its licensed MPV’s and can only be hired on pre-booked basis. It started off its operation in the 1960’s in direct competition to Hackney carriages which can cater to passengers without pre-bookings.
Starting 2001, the minicabs have been regulated in London and are now licensed under the Public Carriage Office, renamed as London Taxis and Private Hire (LTPH). The drivers need to undergo a Topographical test in order to obtain the Private Hire drivers license.
Owners of any type of vehicle; be it heavy and light weight motors, personal or public taxis have to have insurance before taking their vehicle on the road. It is the responsibility of the driver, be it public or private Hire to have the insurance while driving on the road. Safe drivers are aware of the risks involved and Taxi insurance is important for their livelihood’s security.
Taxi insurance is aimed at the cab drivers or those who operate the taxi business. Insurance not only speculates the drivers’ risk but also insures the passengers. Due to increased competitiveness in the insurance industry, there are separate policies for the drivers and the taxi owners for their convenience. To make it easier for the drivers and the owners, insurance companies have started their online ‘quote’ system where they make it easier for the insurer to get a quote on the insurance policies offered by them.
The Mini Cab and the public hire have different quotes available by different insurance companies. There are different policies, different number of people to be insured on the same vehicle. Due to increased competitiveness there is a minor difference between the insurance of private and the public Hire vehicles. It is important for you to know the difference between the policies to ensure that you get the best insurance for your minicab

Black Cab Insurance

Black taxi cab is truly an icon. It is a symbol of UK itself and there are not many streets in U where you wont come across one black cab. But for a driver, black cab is not only an icon but also a source of income. 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 be mentally at peace that everything is under control.

Black cab insurance is there to protect you and your passengers in case of accidents. 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. Extra coverage of breakdown assistance, replacement vehicle cover and windscreen replacement cover is worth thinking.

There are a growing number of brokers in UK that deals only in black cabs. They offer insurance policies, give you convenient options and are ready to help you with queries. They would advise you respecting the general areas where you can operate your black cab business effectively. While searching for an accurate black cab insurance policy, the first thing you should look for is that your insurance provider includes UK under their area of coverage. Also make sure that you are covered against all likely risks to your vehicle and business. Some black cab risks include:

• Risk of damage by customers that is covered by third party insurance.
• Risk of fire and theft, coverage of which is included usually in all black cab insurance policies.

Black cab insurance is not hard to find, because these days there are plenty of firms and companies that offer necessary protection and cover for your black cab.
Choice Quote Insurance Services has been providing black cab insurance since 1995. In UK they have established a reputation of offering excellent taxi insurance cover and professional services. But most of their policies for public and private hire black cab taxi drivers, offers cover to full time taxi drivers with minimum of 2 years taxi no claim bonus. Drivers must not have more than one ‘at fault’ accident and two minor traffic offences. Other schemes are also available.

MCE insurance is famous for giving cheapest quote for your black cab insurance by comparing insurance prices with more than a dozen leading companies. As MCE Insurance works with leading UK’s black cab insurance companies, they protect no claim bonus for small premium in case of theft or accident. They also provide 24 hours breakdown service.

Taxi Protection also compares the rate of UK’s top specialist taxi insurers, providing best possible taxi insurance quote. It gives choices of three level of cover: comprehensive, third party fire and theft and third party only available. It also gives 24 hours UK based claims service.
By searching online you can compare different black cab insurance policies and select the most beneficial of all, letting you get on road in confidence

Compare Taxi Insurance

Taxis are like our paid- for service car. Black cabs, public hire taxis, chauffeurs and private hire taxis are the different kinds of taxi business. Like other business, proper protection in the form of insurance is required for taxi business also. Insurance policies are changed or upgraded with the passage of time, but if you compare taxi insurance, you can find a proper and best option in the market.

All vehicles in UK are required legally to have insurance, whether it is a personal car or a taxi service. By the help of comparison websites, Internet has brought together many insurers in UK who give a comprehensive list of what to expect from different policies. They present their covers on one page, which saves you from trawling through different brokers site. For a better comparison of taxi insurance you needs to:

• Choose a specialist provider or website:
For the comparison of taxi insurance, a specialized provider is the best option. A dedicated provider knows the unique risks and benefits associated with taxi business. Online taxi comparison in UK consists of three different kinds of sites: the phone quote site, the call back form, and those that provide full online quotations.
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.
• Check policy details:
Focusing on the price alone is not a right thing when you are dealing with taxi insurance online. You should go beyond price and study the details of policy carefully, so that you can keep a check if you are getting the value for money properly. For example, what type of cover is being offered if you taxi s damaged or stolen? Or does it include cost for fixing broken windscreen, doors or windows?

• All information at hand:
When you are ready to make comparison and get insurance for your taxi you should make sure that you have all the details to hand. Registration number, age, model of your taxi, claims history and accidents etc should be answered fully. Misrepresentation of such facts can void the policy later.
So if you want best insurance deals, always remember to compare taxi insurance policies to see what you are getting for your money

Hackney Carriage Insurance

Hackney carriage is a respectable name for London black cab. In other words it is a carriage or automobile that is kept for hire. In UK hackney carriage refers to a taxicab registered by Public Carriage Office in greater London or by other local authorities everywhere else in UK. A hackney carriage is allowed to move along the streets and pick up passengers. It can also pick up passengers without booking whereas, mini cabs require booking in advance. Similar to all hire vehicles, or indeed all motor vehicles, a hackney carriage needs to be insured before it can get on roads. Hackney carriage insurance is important for you and your passenger’s protection.

Many insurance companies offer different packages for insurance of your vehicle but you can find better prices form someone who specializes in hackney carriage policies. Hackney insurance packages can also be found by Internet research.
However proper hackney carriage insurance is harder to find than insurance of other private hire vehicles. The reason of this is because it is such a unique vehicle that is able to stand for long periods of time in a taxi rank and even flagged down in the street, which other private hire vehicles cannot afford.

Only a selected number of few insurance companies offer hackney carriage insurance because not many of the companies and insurance brokers are specialized in it. There are many other things that should be taken into consideration and only specialized companies in this field knows exactly what you want.

The most important thing to consider while choosing proper insurance for your hackney carriage is the level of cover a company is providing. You need to get insurance of not only you and your vehicle but also of your passenger. It is best to search for the policies that offer you medical, fire and legal cover in all possibilities. Assistance in breakdown condition is also required to make you able to be back on road quickly.
That hackney insurance companies should be searched who offers quick claim response. It might be possible that some of the companies might offer a replacement cab in case of accident or breakdown. It can be very helpful for the hackney owner need not to worry about the maintenance cost of the cab.

The best place to get cheapest quote on hackney carriage insurance is internet. There are certain sites that offer discounts and reductions on premium amount if policy is purchased online

Cheapest taxi insurance

Is it really worth risking your life and that of your passengers by opting for the cheapest taxi insurance? Probably not worth all the trouble you’d have to go through later when the law catches up with you. Taxi insurance is intended to provide an insurance cover for you in the worst of times, such as accidents and lawsuits. The taxi business is considered to be the one of the riskiest jobs since a lot of different lives are at risk. Insurance helps reducing the major risks and damages that might come to the driver, vehicle and the third party; be it in an accident or fire or theft.
Opting for the cheapest taxi insurance does not make you smart at all; it just puts you at greater risk, since it does not provide all the cover s that normal taxi insurance may. At the time of claim in the case of an accident, your insurance may not be able to help you to its utmost potential seemly because you opted for the cheapest taxi insurance possible; despite paying premiums every month. So if you still want to buy the cheapest taxi insurance possible then be sure that you are at least covering the major risk factors if not all.
Although it is not worth the risk, when you are buying cheap taxi insurance be sure to check for hidden charges that might be included in the terms and conditions. Since the demand for cheap taxi insurance started to rise, a lot of companies have come up with different ways to make the taxi insurance costs seem less. They offer great discounts on the insurance. Although such insurance seem cheap and easy to obtain they usually include hidden charges that make the policy a lot more expensive as time goes on or at the time of claim.
Cheap taxi insurances are also sometimes just a con artist trick. Be sure to check whether the insurance company you are satisfied with is registered with the State Insurance Department since all legally operating insurance companies must be registered. Even though it is not worth the risk to get the cheapest taxi insurance, be sure to at least satisfy all your queries before making a decision.

Private taxi insurance

There are different factors to consider when obtaining private taxi insurance. Obviously the market is filled with insurance brokers who are sitting there just help you get the best taxi insurance that would be suited to your needs and specific wants. There are a number of insurance brokers who offer private taxi insurance; all of them have subtle differences in the covers that they offer. It is necessary for you and your company to research carefully among all the best private taxi insurance companies and choose the one that would suit your needs the best possibly.

Mostly the insurance cost for a private taxi’s insurance is lower than that of a public taxi because the income earned by a private taxi is lower than that of a public taxi. It is compulsory to look at the fine print of every private taxi insurance company before making any decision as to which to choose, partially because you need to read and comprehend all the terms so that you know for sure what all your insurance is covering and what all is included in it.

First of all what your chosen private taxi insurance company should cover is basic protection for your taxi service. Being a taxi service it is firstly necessary to know which category you fit into and the separate risks that coincide with your taxi service. The first and foremost thing that taxi insurance needs to do is to protect your vehicle, your life and that of your passengers.

Although there is a minimum level of insurance required by law, you can always choose your own level of cover with which you feel comfortable. Most companies opt for maximum insurance and go for the comprehensive insurance which covers everything while others take the cheap approach out.

Since accidents are so unpredictable, you should always be insured against them and your insurance policy should also cover your passenger’s well-being. Remember to look into public-liability as most companies don’t generally offer that. The insurance you need depends on how much of a level of private taxi insurance cover you feel comfortable with.

Taxi fleet insurance

Taxi fleet insurance is basically like getting insurance for a group of taxis. The number of taxis that make up your fleet of taxis is different for each company. Some insurance companies consider 4 taxis to be enough to make up a fleet while others are flexible enough to provide fleet insurance for just two taxis. Taxi fleet insurance covers your whole fleet of taxis under one insurance policy. There are many different advantages of obtaining insurance for a fleet.
Generally fleet insurance is expensive as they are meant to cover more than just one taxi; however every insurance company has different rules and regulations when it comes to fleet insurance. Even though insuring a fleet is more expensive than insuring just one taxi, it seems more affordable once you consider the cost of insuring each car individually. Your fleet of taxis may consist of various types of cars, insuring your fleet under just one policy helps in avoiding a lot of confusion; helps in managing your insurance better and through that you may be able to save a lot of time.
Firstly you must consider whether you are insuring a fleet of public taxis or private hire taxis. If you are in the private hire taxi business then your taxis stay cleaner than the public ones and you benefit from the selective clientele that you receive. Remember to give special emphasis to repair and maintenance of your vehicles when and if it is damaged during accidents. Taxi fleet insurance is really the best for you if you have expanded your taxi business over a period of years and your fleet consists of new and old cars alike. Also make sure that your fleet insurance covers all the basic kinds of taxi insurance such as, accident damage, third party and fire and theft for all of your cars.
Be sure to get the best taxi fleet insurance that you can afford. Fleet insurance helps in managing and organizing you insurance details in a better way. It also helps in saving your time and money. In addition taxi fleet insurance also considers new additions to your fleet.