Operating a taxi in the UK comes with unique risks, from accidents to passenger claims and vehicle damage. Taxi insurance is specifically designed to protect you, your vehicle, and your business from unforeseen events. Without the right cover, you risk financial losses, legal penalties, and even the suspension of your taxi licence. Understanding the different types of taxi insurance can help you choose the right policy for your business and stay compliant with UK regulations.
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Taxi insurance provides essential protection for drivers, passengers, and vehicles, ensuring financial security in case of unexpected incidents. Depending on your taxi service type, there are different insurance policies tailored to your needs. Policies can be included in the Taxi insurance are:
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Private hire taxi insurance is for drivers who transport passengers through pre-booked journeys, such as Uber, Bolt, or local minicab services. Unlike public hire taxis, these vehicles cannot be hailed directly from the street. Having the right private hire insurance ensures you stay legally covered and gives you peace of mind while driving on UK roads. Here are the most common cover you can find for private hire taxi insurance in the UK:
Chauffeur insurance is for professional drivers offering luxury private hire services, often in high-end or executive vehicles. Chauffeurs typically provide a premium experience, and their insurance requirements differ from standard taxi policies. Chauffeur insurance provides specialist cover to protect both drivers and their premium vehicles. Here are the most common types of cover you can get with this insurance:
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Driving any taxi without insurance is illegal and puts your business, livelihood and passengers at serious risk. Proper taxi insurance ensures you comply with UK licensing requirements whilst offering essential financial protection by covering repair costs, medical expenses and legal fees. It not only enhances passenger safety but also guarantees business continuity by keeping your taxi on the road even after an accident, allowing you to maintain your income stream without interruption.
Choosing the right taxi insurance can help you protect your vehicle, passengers, and business. At Cubit Insurance, we specialise in taxi insurance tailored to your specific needs, whether you drive a public hire, private hire, or chauffeur vehicle. Get a quote today, and let our expert team help you find the best cover at a cost-effective price. Contact us now!
Let our friendly team help you choose the right insurance for you!
Let Cubit Insurance find insurance for you at an affordable price. Our expert team will evaluate your needs and suggest the best policy right for you.
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