Taxi Insurance UK

Taxi Insurance - Public & Private Hire

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People have experienced the many difficulties that can be associated with getting insurance for their private cars, vans or bikes but when they decide to become a taxi driver theses problems become even greater.

This is because a lot of insurers do not fully understand the needs of a taxi driver and more importantly how he runs his business. Whilst it may only be a car or minibus to the insurer, to the taxi driver it is his living, his business and his life.

It must be remembered that throughout the country the rules and regulations for taxis vary considerably. There are two main types of taxis, Public Hire and Private Hire.

A simple definition of the difference in these can be noted in that a Public Hire taxi can be stopped by you in the street, by putting out your hand or some other legal gesture to attract his attention, and he is obliged to stop and pick you up.

On the other hand a Private Hire taxi has to be pre booked through a taxi office and the driver advised of it whilst in the taxi office or, if the timescale is short the details sent to him by means of two way radio or mobile phone.

Most people will remember seeing the typical “Black Cab” that is used in London and are now in use in many main towns and cities in the United Kingdom . Public Hire taxis are always licensed by the local authority in which they operate and the driver is separately licensed, driving record noted etc.

Private hire vehicles are treated in a similar way although in some areas these are not licensed. It is because of reasons such as this that insurance costs for Public Hire are very often cheaper than those for Private Hire.

Another very important factor is the number of drivers that need to be insured because this gives an indication of the use that the vehicle is going to get. Whilst in some situations there may be a one driver - one car scenario, possibly in a rural area, when we have a situation with three drivers working a car 24 hours a day the risk of accidents etc is much greater as is the need for even more consistent maintenance of the vehicle.

It can be seen from the above that a picture is emerging that means the rating of insurance for this type of vehicle is not as simple as a private car , where there are numerous search engines provided by a large panel of insurers which can do all the work.

Normal considerations such as type of car, age, area of use, driving record etc, all continue to apply but the needs and requirements of a Taxi driver require that extra expertise to provide a good insurance quote for him.

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