subject: How To Buy Cheap Taxi Insurance [print this page] If you want to be a UK taxi driver, then you'll need to have UK taxi insurance. But how can you secure it? In order to secure cheap taxi insurance you'll need to take the right steps, to go from Point A, to Point B.
Here are some tips to get it done:
1. Drive a chauffeur to lower you premium.
This is one of the easiest and most effective ways to lower your taxi insurance premium. Driving a taxi can be quite pricey and stressful. So it's advisable to reduce your company car premium, by driving a company car for one person-before you drive it for potentially everyone.
2. Inform about being insured.
If you've ever driven a company car before (a taxi or otherwise), then make sure to inform a taxi insurance company when you're getting quotes. That's because driving a company car is a different situation than driving your own car. If you have that specialised experience then you might be entitled to a lower premium on cheap taxi insurance. That's because having a clean record driving a company car, would probably make you more likely to drive a UK taxi responsibly.
3. Avoid buying bells and whistles.
When choosing a taxi insurance policy, get everything that you need without getting anything that you don't need. Insurers might try and entice you with a policy that contains various bells and whistles. Yes, it's crucial to get all the cover required by a particular taxi company you're interested in, and what's required by law. But avoid a policy with bells and whistles that aren't required or needed.
4. Ask about discounts for home owners.
Some companies offer cheap taxi insurance at lower premiums, if you're already a home owner. The logic of the insurers is that if you're responsible enough to make mortgage payments, then you'll be more likely to drive a taxi responsibly. While this isn't necessarily a reason to buy a home, it will give you an edge if you've already done it.
5. Inform an insurance company if you're married.
As with companies that provide home owner's insurance, some companies also give discounts to potential taxi drivers that are married. Statistics show that those who are married tend to settle down and live a more responsible life!
6. Shop around.
The process of finding the cheapest taxi driver insurance is basically a numbers game. The more quotes you get, the more likely you'll be to find rock-bottom rates. While there's no magical number, you should get a minimum of three quotes. If you're able to get more, then you certainly should. This will maximise your chance of finding the lowest insurance premiums possible. You should look online and offline, and research both small and large insurers. Leave no stone unturned in your search!
If you want to drive a taxi in the UK, these tips will help you to find the lowest rate possible. Driving a taxi can be stressful enough, so finding cheap taxi insurance should be smooth sailing!
by: Tom Jones
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