Private Hire Insurance

Standard car insurance policies are sufficient for everyday use, but not sufficient for your work, whereas​ ​Private Hire Insurance​ ​is designed for drivers who have the license to carry passengers hire and reward, but must be pre-booked with a private hire operator. In such work, you need to ensure your insurance covers yourself, your car and your customers. Private hire insurance will protect you against any risks, whether you’re at fault or not.

This policy will typically cover your vehicle in the event of a fire, theft and/or any accidental damage occurring, which is essential when working in one of the big cities across the UK. A further breakdown of the cover is as follows:

● Protected no claims bonus from a year upwards.​ This allows you to have a certain number of accidents where you’re at fault, without affecting the bonus itself.

● Flexible payment options to help you spread the cost of your insurance​. Spreading costs can make your life much easier, and mean you can carry on with your work with renewed focus and a more calm state of mind.

● Public Liability Cover ​– one of the main types of business insurance, this is geared more towards companies than the drivers themselves. It will cover compensation payments and legal costs should a member of the public (a customer, a passerby or a supplier for example) attempt to sue your business, in light of they or their property having been damaged during an incident. Examples could be a passenger in one of your fleet cars spilling hot coffee on themselves, deciding the driver was at fault; or it could be someone running across the road and getting hit by someone driving a car from your fleet

● Employers Liability Insurance​ – this is a legal requirement for any business that has employees, even if they’re part time volunteers – exceptions would include businesses which only employ family members. If an employee claims compensation for a work-related illness or injury, employer liability insurance would cover the required compensation payment and legal costs. Employers need to have at least £5 million of employer’s liability cover, or will face fines of up to £2,500 a day.

● Nationwide ​Breakdown Cover ​- there are various ways in which your vehicle breaks down; battery failure, tyre puncture, and so on. This type of cover means you won’t be left stranded on the roadside should things go wrong! It can also be split between personal breakdown cover – which is when you’re covered in whatever vehicle you find yourself in – and vehicle breakdown cover, which you would place upon a vehicle or vehicles of choice​. Our breakdown cover also includes a home start up.

As you can see, our insurance is comprehensive and designed to cover you in as many areas as possible, whether you’re hiring a car or you own a fleet of them. ​Furthermore, you’ll find that because we’re always up to date with contemporary insurance providers, it’s not hard for us to give you the best deal on premiums, at rates which will outperform our competitors. And to ensure that your life is made easy, you’ll be provided with a number of options on how to pay, meaning you can manage the costs in a way that works for you and your career.

Last but not least: our cover is nationwide; we take pride in matching and beating our competitors up and down the country, so wherever you are in the UK, we’ll provide you with the right ​minicab insurance​ at the right price.

Give us a call ​020 8889 3333​ today and see how much you could save!

Do you have a history of driving convictions holding you back? Do not fear – we at Cubit Insurance believe everyone deserves a second chance!

Unlike other companies, cover will not be refused to you – rather, we’ll discuss your specific requirements and tailor a minicab insurance policy to suit you.
We also get you to take courses which will help prevent any potential convictions occurring again in the future – in particular, speed awareness courses will prove very effective in getting a competitive policy completed as quickly as possible.

Be sure to check out our online quotes today!

When you choose Cubit Insurance, you’ll be able to obtain a top quality, private hire insurance policy which is guaranteed to meet your individual needs and requirements. Our rates are competitive and we’re confident we can outclass any of our competitors!

Also, we acknowledge that your private taxi work might just be part-time, and the last thing you want is to commit to anything long-term. Thankfully, we provide policies which offer a wide range of options in short term taxi insurance – this flexibility will help you find the cover which is right for you, and put your mind at rest.
We welcome you to come down to our office and discuss your thoughts and feelings regarding the ideal policy. After all, there is no generic, one-size-fits-all approach, and this can be off-putting to you and your career/business. When you join Cubit Insurance, your individual needs and circumstances take priority, ensuring a specially tailored customer experience – and customer satisfaction to boot.