The Importance Of Private Hire Taxi Insurance
For people considering buying cars for private hire the first thing to clear even
before registering your car for the business should be taxi insurance. It will delight you to know that the premiums for private hire taxis are the lowest in the industry.And here is why. With a private hire cab, you do not have the freedom to operate as freely as any other public service vehicle or taxi. You are restricted to only picking and dropping people who have made prior bookings. You are also limited to parking within a particular, designated area. This means, sometimes you will not have any business at all. This is unlike public service vehicles and taxis that operate whenever and wherever they wish. As such, they have more regular business than private taxis. There premiums are therefore much higher.
With the proper cover, you can run your private hire business without worrying about any unforeseen events. It also gives you peace of mind to know that the welfare of other people is well taken care of, as covered in the third party policy. A comprehensive package is the most ideal for this kind of business. Bodily harm in case of an accident, damage to the vehicle, vehicle theft and all other perils are catered for under a comprehensive insurance cover. This gives you the freedom to delegate the daily operations to a trusted driver as you go about your other businesses. As a prerequisite, every private taxi driver must have a license authorising him/her to operate as such.
If on the other hand you are looking for a private cab, it pays to check that the car you are about to ride, is in perfect condition. It is not enough to make your booking either on the phone or online. Carry out some research to know more about the company. A taxi company of repute will provide details of their location - a physical address, name of business and telephone contact. If you are dealing with a lone-driver, let them give you their full details as well.
These details should include full names, their car registration details and the location of their offices, if any. Ask to see proof of the relevant papers, including their private hire taxi insurance policy - this applies to both individual operators and companies. Check that the license is valid and that the car has tyhe correct insurance. No use getting into a vehicle that can't pay for your legal expenses in case of an accident.
If you are looking for a reliable taxi whose services you intend to use for a long time, check online. There are many directories giving a guide to top private hire taxis. Compare rates and read reviews from customers who have used their services before. Bear in mind that the rates will vary significantly even for similar services for a number of reasons. For example, a company operating a large fleet of executive private taxis may charge considerably higher rates than an individual private hire taxi operator who owns one car!
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