If you drive a taxi, you are probably wondering whether you need to get car insurance for taxi drivers. The fact is that there are several things that you need to take into account if you frequently drive a taxi. The first thing that you should know if you are a taxi driver is that you should always have your vehicle insured. It is illegal to drive without having auto insurance no matter if you’re in a minivan, truck, sports car or taxi; there are no exceptions. There are a couple different types of taxi drivers and each may need to get different types of insurance. One type is considered a “public hire” and the other is considered a “private hire.”
About Car Insurance for Taxi Drivers
If you are a “public hire” taxi driver, then it is your job to pick up customers on the side of the street and transport them to where they want to be. If you have ever been to a big city or live in a large city, then you know what it’s like having taxis around 24 hours a day. In cases of “public hire” drivers are usually insured by the company for which they work. There are always going to be cases, though, where certain companies may not have adequate coverage. If you are in a situation where you are working as a “public hire” taxi driver and you don’t have insurance, then you will need to buy some for your taxi.
In most cases, though, you will not need to worry because taxi businesses often make sure that their vehicles are insured in fleets. They can get deals by insuring all of their vehicles with one insurance provider and it saves them money as a business. Having insurance working as a public hire should not only make you feel more comfortable as a driver, but it should make your customers feel comfortable knowing that you have an insurance policy. Taxi drivers are usually very good, but they have a fairly high percent chance of getting into an accident since they are driving all the time; having insurance will protect them if they do get into a crash.
Cheap Car Insurance for Taxi Drivers that are “Private Hire”
If you are looking to get cheap auto insurance for taxi drivers that are working “private hire,” you can always lower the prices on your insurance by purchasing it for a fleet of taxis. However, if you are working private hire and need to insure a taxi that you personally own, then you will want to shop around, gather quotes, find a good company that insures taxi cabs, and find out what type of coverage makes the most sense. Working private hire does not necessarily imply that you are doing a lot less driving than a “public hire” taxi driver, but it does mean that people schedule/book your services in advance for transportation instead of shagging you down for rides on the side of the street.
The Importance of Taxi Driver Insurance
If you fail to get taxi drivers insurance and operate a taxi, then you had better get some fast because it is illegal. There are a lot of taxi drivers that try to get fake car insurance so that they don’t ever have to pay any money. The major problem with going without insurance as a taxi driver is that you are putting yourself, your taxi, as well as your valued customers at risk. Although most taxi drivers are experienced drivers, they are out on the road so much that their risk drastically increases of getting into an accident.
Make sure that you do yourself the favor and get some specialized car insurance for taxi drivers so that you are insured as a driver. If you are running a business in which you use taxi cars, it would be best to insure them all as a fleet so that you can get a better deal by bundling the insurance coverage. Hopefully you are able to get taxi insurance that you feel good about so that you can travel the roadways safely and feel protected as a driver if anything such as an accident were to happen.