Birmingham Taxi Insurance
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Taxi insurance Birmingham is in high demand in both the traditional taxi (that can be hailed on the street) and the more recent private taxi driver sector. Both services will need specialist
Taxi insurance is available from most high street brokers like Aviva taxi insurance, plus a growing number of providers that specialise in taxi insurance only. Some of these include Haven taxi insurance, RSA,
What Cover Does Taxi Insurance Provide?
To ferry passengers for hire and reward, you will a form of hire and reward insurance, simply referred to as taxi insurance.
This applies to both private vehicles that must be pre booked and public hire taxi drivers that are licenced to pick up passengers on the street if flagged down or from taxi stands.
A taxi insurance policy will consist of 2 core elements, vehicle insurance to use your vehicle for hire and reward and public liability to provide you with cover from claims made by your passengers or other members of the public. These claims cover injury and loss or damage to their property.
Levels Of Birmingham Taxi Cover Available
Third party cover is available at 2 levels, third party only and third party with fire and theft. This cover only provides protection to the other vehicle or other property in the event of an accident, leaving you to foot any bill for damage to your own taxi cab or private hire vehicle. If you choose a third party policy with fire and theft, then cover will extend to theft of your taxi or fire damage.
Comprehensive cover is the preferred choice with taxi drivers in Birmingham and other parts of the UK. It provides cover for the other vehicle and for any damage to your own taxi vehicle. Fully comprehensive policies may also provide minimum third party coverage to a trailer or caravan being towed.
Cover Available For all Vehicles Categories, Birmingham
Is Taxi Insurance Birmingham available if I have Convictions?
The panel of Birmingham insurance specialists can provide you with quotes for private hire insurance, even with convictions or points of your driving licence. The cost will increase, but will depend on the severity of the offence, for example having 3 penalty points you will see a slight increase whist 6 points and above will see a more stark increase
Birmingham taxi Insurance Driver Schemes Available?
How much is Taxi Insurance in Birmingham?
The cost of Birmingham taxi insurance or private hire insurance will depend on a number of factors. Key factors include the vehicle cost and thus the cost to replace, and the history of the driver. Other factors that play a lesser role include where you park your cab overnight and preventative measures taken to reduce risk of theft or vandalism. Post code will also play a factor, with
Is There an Excess On Taxi Insurance In Birmingham?
An excess amount will also be part of any Taxi insurance policy. Expect the excess for a taxi to range from £200 to £300. If you need a cheaper taxi insurance quote, speak with the broker about agreeing to a voluntary excess amount. The idea is that by taking more responsibility for any claim costs, you will be rewarded with a lower insurance premium.
Who provides insurance for Birmingham taxi and private hire drivers?
Most high street insurance agents can provide you with this type of cover, but also check out the specialists providers in this niche. These include
Is Uber Taxi Insurance in Birmingham Available?
If you are considering earning some extra cash as
Is Public Liability Included?
Public liability is important for anyone that deals directly with the public. Private hire and taxi drivers should safeguard themselves against claims by taking out this type of insurance.
In general taxi, public liability cover is not included in private hire taxi insurance, but insurance companies that offer taxi cover will offer it as part of the taxi insurance package. The cost of public liability insurance relative to road insurance is not expensive and provides benefits and protection that no taxi insurance should be without. Examples of when this cover comes into play includes claims from third parties for injury, damage or lost property. As you may be aware, Injury claims can be excessive, so it is wise to have PL cover in place from day one.
Which local taxi authorities can I get a quote for?
MultiQuoteTime works in partnership with SEOPA Ltd to provide for our customer a comprehensive online insurance comparison service. This gives our customer access to a panel of specialist taxi insurance providers that can provide cover for all taxi authorities, including the following :
This above list is only a sample from a list that includes all local taxi authorities in the UK and Northern Ireland .