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If you drive passengers for a living, standard insurer’s car insurance policies are not adequate and you need a specialist motor insurance policy.

 

Who needs Private Hire Insurance?

Private Hire Insurance is for professional drivers who take private bookings to carry passengers from place to place for the purposes of hire and reward.

Insurers believe that as you clock up more miles than the average motorist you are at higher risk of having an accident and having your car off the road.

 

Why compare Private Hire Insurance with an insurance broker?

The cost of private hire insurance will vary greatly from insurer to insurer. Insurers will often have a section of the market or an area of the country where their rates are most competitive.

An insurance broker as they will compare private hire insurance polices on your behalf. Usually a specialist private hire insurance brokers will have a number of policies from various insurers for you to select from.

It’s worth remembering that cheap doesn’t always represent good value. It is important to make sure you have good quality cover in place. Your vehicle isn’t just your means of transport, its your business.

For most people having their vehicle off the road results in a degree of inconvenience, such as having to use public transport. Being without your vehicle for you will more than likely mean you’re unable to earn your livelihood.

Using their expertise an approved insurance broker should recommend the appropriate level of cover that you require. They should also be able to offer optional extras to ensure cover is tailored to suit your exact needs.

Not only does this give you peace of mind that you have the right protection in place, but it can also save you money as you’re only paying for cover that you need.

 

What cover can a comprehensive Private Hire Insurance policy provide?

 

As well as covering your vehicle in the event of a fire, theft and any accidental damage occurring extras cover is often provided for:

    • Use on the continent within the EU (social domestic and pleasure use only)
    • Legal Fees and Claims Management
    • No Claims Bonus from 1 year +
    • Unlimited Windscreen repair or replacement
    • Public Liabilityin case a customer incurs an injury whilst in your vehicle.
    • Cover of Carriage of Celebrities

 

The majority of these benefits come as standard at Plan and could prove invaluable assistance should the unexpected occur.

 

 

What else should I consider?

Supplementary products to your Taxi Private Hire Insurance that you may also require include:

  • Guaranteed Courtesy Vehicle Cover
  • 24 Hour Roadside Assistance in the UK mainland including home-start
  • Employers Liability (a legal requirement if you employ anyone in the UK, even if they are part time volunteers.)
  • Cover for a private hire base office 
  • Multi Car Policies – if you own more than one vehicle

 

As a professional driver, you spend more time on the road. Statistics show this means you have a higher chance of having an accident or needing repair work done on your vehicle.

 

 

As you vehicle is your livelihood, you may wish to inquire about guaranteed courtesy vehicle cover.

If you’ve been involved in a fault accident that has incapacitated your vehicle this cover will provide a courtesy vehicle so that you can continue running your private hire business.

Without it you will only be entitled to a courtesy vehicle if your insurer believes they can recover the vehicle hire costs from the third party insurer. This is often only the case following an incident that is clearly non-fault at the outset of the claim process.

 

Quality Private Hire Car Insurance cover can be the difference between getting back to work tomorrow or having your vehicle off the road for weeks.

At Plan, we endeavour to keep your business moving by sourcing the best policy cover to suit you – and all of your business needs. Call a specialist advisor on 0800 542 2743 to see how we can benefit your Private Hire needs.

 

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