Taxi Insurance Belfast

Guide to Belfast Taxi Insurance 

For taxi drivers in Belfast and other parts of NI, we understand your taxicab is your job. Making sure that your taxi insurance is tailored to your needs is essential – as your income depends on it!.

We can provide you with access to a range of quotes from a panel of specialist Belfast taxi insurance providers. These insurance companies are able to tailor polices to meet your NI taxi or private hire business model and requirements.

Cover for all categories of taxi vehicles 

Cover is available for all vehicle types that are used within the taxi and private hire sector and include :

• Black Cabs : Cover for Belfast Black cabs is available.
• Private hire insurance for hire and reward drivers that must be prebooked and can not be flagged down, unlike black cabs and taxis 
• Electric Taxi Insurance
• Chauffeur : chauffeur insurance is available for those that offer a chauffeur or limousine service. If you have more than one, then consider a chauffeur fleet insurance policy. 
• A rapidly growing sector is the private hire taxi sector. Private hire drivers can not be flagged down as they must be prebooked. They have a slightly different risk profile and a range of polices exits including PHV insurance that can be paid monthly. Taxi Fleet Insurance
• If you operate a fleet of taxis in Belfast or private hire vehicles, it may be time to look at NI fleet insurance policy. 

Levels of taxi insurance available

Similar to taxi insurance in Cardiff, taxi cover in Belfast can be obtained at 3 different cover levels, as detailed below:

• Comprehensive is the highest level of cover that is available. This schedule covers damage to not only third parties, but also damages to your own property and self.
• Third party is the minimum cover required by UK law. This cover does not provide any protection for damage to your own vehicle or any injures to oneself resulting from an accident.
• Third party with Fire and Theft  In addition to third party cover is also provided for for and theft.

Local NI Providers of Insurance Services Including Taxi and Private Hire Cover

The number of independent local providers has been on the decline in Northern Ireland, with small local firms being bought out by the big names. Example BMG Insurance better known as simply McGurgans insurance from Tandragee Road Portadown has sold out to Abbey Autoline and when you try and access the original BMG website you will be redirected to Abbey Autoline. Also, a sign of the times is that Hughes insurance NI now only operate a telephone service, no more local branches. I expect the service is still good, but customer must miss the ability to talk within someone in person, especially if you are taking out something like life insurance. 

Take your time and also check out deals available with any taxi insurance company near where you live as well as comparison websites like Multiquotetime. Deals for Leeds taxi insurance and Birmingham taxi insurance plus PCO insurance for London taxi drivers are available, but you need to do the groundwork to find them.

NI and Belfast Insurance Brokers	Address	Contact
AbbeyAutoLine	12 Broadway AvenueBallymenaCo AntrimBT43 7AA	028 2564 8648
Todd NI	109a King Richards RoadLeicester, LE3 5QG	Telephone: 0116 262 1304
Hughes Insurance	Hughes Insurance operates a home working, remote model and our branch network is permanently closed.	Telephone: 0116 222 8290
Apricot Insurance Services	Floor 2, Blackstaff Studios, 8-10 Amelia Street, Belfast, BT2 7GS	Phone: 028 9061 6718
J J Ballantine	36 Main Street, Tobermore, Magherafelt BT45 5PW	028 7964 2520
Willis Insurance Services	Newsletter Building55-59 Donegall Street Belfast, BT1 2FH	028 9032 9042

Tips towards cheaper Taxi Insurance in Belfast

Insurance companies work out the cost of taxi insurance based on a number of factors. Below we have highlighted some factors and any possible steps to consider to help lower the costs of Cardiff taxi driver insurance, but is applicable to all taxi drivers.

• Comparing quotes:  Comparing taxi insurance Belfast quotes is the first step in the process of finding the best deal.  A few providers of taxi cover may not offer their rates on some of these sites, so it may pay to visit individual broker sites, example Hughes insurance NI or AbbeyAutoLine.
• Pay Upfront : If possible, consider paying your policy as a one-off payment should bring down the cost of your annual premium.
• Taxi Security: Speak with your insurance provider and how you can reduce the likelihood of theft or damage  to your taxi vehicles, as this should result in savings on your premium.
• Consider Fleet Cover: If you have a fleet of cabs as a business, it is generally more cost-effective with less administration task to purchase a taxi fleet insurance cover. Fleet policies will provide protection for all your vehicles under one easy to administer policy.
• Black Box: Even for taxi drivers, adding or complying with the insurance company telemetric request can help significantly lower the cots of taxi insurance in Belfast ( if the data provided is favourable )