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Buyer’s Guide – Black Cab Insurance

 

Unlike the majority of motorists, your vehicle is your livelihood so it’s essential that you and your vehicle are fully insured and protected against risks you face as a professional driver.

Who needs Black Cab policy?

A Black Cab cover is essential for any Taxi Driver, most commonly driving a traditional London, or Hackney Carriage Cab.

Having a Motor Insurance Policy is a legal requirement by UK law, so any driver needs one.

However, if you drive passengers for a profit, then you will need a Professional Drivers Insurance Policy, or more specifically, a Black Cab Insurance Policy that covers you for carrying passengers for the purposes of hire and reward.

 

What does a Black Cab policy do?

Taxi Insurance protects you against any risks you face as a Cab driver.

Most often, Cab driving is at unsociable hours mainly in busy inner-city areas where you are statistically more likely to have an accident.

Cab drivers also cover more miles than the average motorist – and because of this you are at a higher chance of having an accident whilst on the job.

 

Because of these extra risks that you face, it is important that you find the right insurance policy to meet your needs –and these can vary greatly.

Policies can differ in many ways including:

  • Age of drivers covered, with a minimum driver age commonly of 25
  • Capped amount of miles driven in a year
  • Maximum amount of hours driving each day
  • Regional Policies – excluding certain cities from your cover, often Northern Ireland.

 

Insurance can also vary according to who drives the car:

  • A Named Driver policy 
    Allows a number of specifically named people to drive the vehicle which may be beneficial if you have a few drivers or your cab is also your family car.
  • Any Driver policy
    Allows anyone in your employment to drive your car which is the most common choice for taxi companies who have a large number of drivers.
  • Sole Driver Polices
    The most common for London Black Cab Insurance where only the owner can drive the car.

 

What Cover does a Black Cab policy provide?

There are many types of Insurance that you may need as a Cab driver depending on your business. The main types of cover include:

  • Breakdown and Roadside Recovery
    To get your vehicle started again if you break down road side.
    Cover can also arrange onward transportation for any passengers you have in the vehicle.
  • Home Start Recovery
    Assistance at your home if you taxi won’t start and are unable to start work.
  • Public Liability
    Despite your cab not being a typical building or office, it is still your place of work and you are liable for anyone in your cab.
    PL Insurance will provide cover should a customer have an injury or damage their property in your cab where you are at fault.
  • Employers Liability
    EL Insurance is a legal requirement by UK law if you employ any staff in the UK even if they only work on a part time voluntary basis.
    This provides cover should an employee have an accident as a direct result of working for you.
    Over a quarter of all Road Accidents last year involved drivers when at work so cover is essential if you have any employees.

 

If you run a large Cab firm and have a central hub for your drivers or an office where the main switch board is then you will need further cover for this, including:

  • Buildings Insurance
    This will insure any damage done to the physical property. It can also provide you with additional premises should your building be uninhabitable due to an insured accident.
  • Contents Insurance
    To cover the cost of theft or damage to your buildings contents such as furnishing, computers of even money left in a till.
  • Cyber or Data Protection Insurance
    Any record you keep of clients details online can be subject to a cyber breach and be stolen. You as a business owner can be held responsible for this.
    Cyber Insurance can pay for any compensation you may have to pay as well as helping to re install security software that may have been targeted.

 

If you have any questions about a Black Cab insurance quotation, call one of our specialist advisers on 0800 542 2743  for more information and your personalised range of Black Cab Cover Comparison Quotes.

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