Driving a public hire vehicle can be the perfect career choice for a lot of people. It gives the kind of freedom that you just don’t get with a regular job, and because you’re self-employed you’re often free to work as and when you please. But, there are still plenty of things you need to think about before you take the plunge, with public hire taxi insurance being one of the most vital.
Having this type of insurance in place is essential, and you’ll often find that you’re not even given a licence before you’ve invested in an adequate policy. Local authorities will need to see proof of insurance before you can start and so having the necessary level of cover is vital, and because you’re working with members of the public you’ll need far more protection than a regular car insurance policy can provide.
It’ll be wise to get the most comprehensive level of protection you can afford, and looking into things like public liability insurance is a must if you don’t want to be held liable for the injury of passengers (or third parties) or the damage of their property whilst in your cab. Costs can quickly add up no matter what the incident may be, and you’ll probably want to have a policy that includes medical and legal expenses cover as well – anything that could affect your finances should be thoroughly considered, and you’ll of course need to look more closely into the cab itself too.
Breakdown assistance and replacement vehicle cover should (ideally) be included in any policy you buy, because you wouldn’t want to lose out on business if your cab was off the road for any length of time. Your taxi is your livelihood and deserves special consideration, and as long as you have the necessary level of protection you can be confident that your finances are as safe as possible.
So, never underestimate the importance of having adequate public hire taxi insurance if you want to make sure that everything is under control. You’ll be able to drive legally, safely and with renewed peace of mind, and with many specialist insurers offering just this kind of cover you won’t have to look too far to get the perfect level of protection that you need.