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How to claim for pothole damage
Hitting potholes isn’t fun – they can cause significant damage to your car and even result in a traffic accident….
Read full guide : How to claim for pothole damageIf you operate a taxi either for private or commercial use, your standard car insurance policy will not be enough to insure you for your work. A separate taxi insurance policy will offer you the coverage you need for both your taxi and customers. It will also cover you for third-party damages and injuries. You’ll need a full taxi licence in order to qualify for taxi insurance.
Our large panel of UK-based insurance providers can help you quickly find cheap taxi insurance without the hassle. Whether you are looking to insure an Uber, or various other types of public and private hire vehicles, Quotezone.co.uk has you covered.
Regardless of whether you operate as a private hire taxi picking up customers with pre-booked fairs or a public hire operator who accepts bookings from passengers on the street, you’ll legally need taxi insurance. Taxi insurance will cover you for the following:
Public liability insurance will cover you for any injuries or property damage caused to your passengers or members of the public.
This will insure you for damage done to third-party vehicles in case of an at-fault accident involving your taxi.
If you opt for comprehensive cover, then you will be insured for damage against your taxi as a result of an at-fault accident.
Getting taxi insurance with Quotezone is fast and simple. Whether you are looking for third-party cover or a comprehensive policy that’s tailored to your needs, simply follow these steps.
Third Party Only Insurance (TPO) is the minimum legal requirement for driving any motor vehicle on UK roads. It will only cover you for damages caused to other drivers in an at-faut accident. Damage to your own taxi is not covered.
Third-Party, fire and theft will offer you the same coverage as third-party only insurance with additional coverage against fire damage and theft. Damage to your own taxi is not covered.
Comprehensive insurance offers you third-party, fire & theft coverage along with insurance against damage to your taxi, even if you are the driver at-fault.
Taxi insurance will typically not cover you for unauthorised use of your taxi. Do not allow others who are not insured to drive your taxi behind the wheel as they will not be covered. Wear and tear or age-related damages to your taxi are also a common exclusion from taxi insurance. Confirm with the insurance provider what is and isn’t covered by your policy.
Private hire taxi insurance, or PHV Insurance, is designed to cover you for pre-booked fairs only. This means you cannot be insured for picking up customers hailing from the street.
If you pick up customers from a taxi rank or those that hail from the street then a public hire taxi insurance policy will be the coverage you need.
The cost of taxi insurance will depend on a few factors such as the make and model of your taxi, your annual mileage, your previous claims history and whether you operate as a private or public hire taxi. To get an accurate cost or your coverage, you’ll need to take out a taxi insurance quote.
Whilst factors such as your diving history, size of cab and estimated yearly mileage will all play a large role in determining your premiums, there are a few things that can be done to get cheap taxi insurance quotes:
Installing immobilisers, dashcams and alarms can help reduce the risk of theft and get you cheaper premiums.
Paying annually will mean you wont be charged monthly interest on your cover.
Be careful not to choose extra coverage options that you won’t need. This will increase your premiums.
Build up a no claims bonus can reduce your premiums for each year you go without a claim.
Drive safely to avoid convictions, penalty points and claims. These will all increase your future taxi insurance premiums.
Shop around with our taxi insurance comparison service and increase your chances of finding the cheapest taxi insurance quotes.
What our experts say:
“Taxi insurance premiums can be costly, as insurance providers consider cab drivers a higher risk because of the greater amount of time they spend on the roads compared to other drivers, but our site can help keep premiums competitive. It’s just one short online form then we match the details with a select few suitable providers who then phone the drivers, when it suits them, to discuss the specifics – this helps keep the policy as accurate as possible – incorrect details can void the insurance premium”
Ian Wilson, Price comparison expert at Quotezone.co.uk
Excellent service, very quick and easy
Anonymous
Bexleyheath, United Kingdom
The website was easy to navigate. A one stop shop excellent
Clive
North Shields, United Kingdom
4.94/5 from 17 customer reviews