Insurance is a legal requirement for anyone that’s driving on public roads, and it’s even more important to consider in a business sense. As a public hire driver your livelihood could be on the line if you don’t have the necessary insurance in place so getting adequate protection is essential, but remember that it’s important to think outside the box. Insuring your vehicle for business use is all well and good, but what about insuring it for personal/social/domestic arrangements? You don’t want to have to get a different policy (or even a whole separate vehicle) just so you can drive on your days off, so will your public hire insurance cover you for social driving?

Luckily, yes. Insurance companies understand your need to be insured both for both business and pleasure and in most cases getting insurance for both needn’t be an issue, with a lot of public hire policies automatically insuring you for both situations. But, you need to make sure your local authority allows this type of arrangement—in most cases it shouldn’t be a problem but always make sure to double-check their rules and regulations, because you wouldn’t want to find out you’re not legally allowed to drive your public hire vehicle for social use later down the line.

Then you might want to consider the possibility of adding your partner to your policy. As long as they’ll only be driving it for social use it shouldn’t be a problem, but again make sure to check with your local authority before you sign on the dotted line. Of course, you’ll always need to make sure that your insurance firm allows this kind of arrangement too as you wouldn’t want to find out you needed to get a completely separate policy, but in most cases you’ll easily be able to incorporate social driving into the mix.

It’s all about convenience but it’s something that a lot of people overlook in the quest to source their ideal policy, so make sure that your public hire insurance policy covers you for social driving and you can be properly protected no matter what your life calls for next.

With the cost of taxi insurance only ever seeming to be on the rise it can be difficult to know how to keep costs down whilst getting a decent level of cover. Your taxi is your livelihood so cutting corners should never be an option, but in fact one of the best things you can do to beat the price hike is also one of the simplest—shop around.

Shopping around means you’re far more likely to get a good deal, because by seeing the type of quotes available you’ll be able to make an informed decision and could soon see where savings can be made. Different companies will always be able to offer slightly different prices to it makes sense to see what’s out there, because if you made a rash decision and didn’t spend the time to look you could be spending way over the odds without even realising it.

By seeing what’s out there you’ll also be making sure that you’ve got the right level of cover to suit your circumstances, and if you go for companies that can build their policies around your individual requirements you really can’t go wrong. You’ll be getting the cover you need at a price to suit, and it needn’t take much effort to find suitable quotes—if you head to specialist brokers or price comparison sites (such as us) you can shop around with ease, comparing every available option in one place to find the quote you need with just a few clicks of the mouse.

You don’t even have to stop there either. Why not engage in the good old art of haggling? Shopping around will get you great prices already but you could easily better them by a bit of gentle negotiation, and if you pit a few companies against each other you never know what could happen. Shopping around can be a quick and effective way to beat the taxi insurance price hike, so make sure to take your time and don’t be afraid to haggle and you could soon have the policy you need without spending a fortune in the process.

Insurance is never one of those things we like to think about, but like it or not, it should be high on the list of priorities. Your cab is your livelihood and if things were to go wrong you wouldn’t want to lose income, so why run the risk? With comprehensive cab insurance you can have the peace of mind you need that your finances are properly protected, so cutting corners and going for lesser-quality options should never be considered.

With the right kind of insurance behind you there’ll be no need to worry about what could be around the corner. You can be safe in the knowledge that should an incident occur you’ll be fully covered for it, meaning you won’t have to cover the costs out of your own pocket and risk losing out financially, keeping your livelihood in-check no matter what happens. By going for comprehensive cover you can have this peace of mind—it may cost more than more basic policies but it’ll be money well spent, because you’ll soon see how valuable it can be should you need to make a claim.

Any comprehensive policy should cover you in the event that you’re involved in an accident, a break down or your vehicle was stolen, but remember that different policies will always be able to offer different things so it’s important to choose wisely. Make sure to look for those that offer breakdown assistance and ideally replacement vehicle cover too, and even things like windscreen cover can be invaluable should the time come. Public liability cover will also be an essential feature—it may not be a legal requirement but you’ll be dealing with members of the public on a daily basis, and that means it’s worth being prepared for any claims that could come your way.

Ultimately, anything that can give you financial backup should an incident occur needs to be included in your policy. Doing so will give you the peace of mind you need to know that your finances are properly protected, so don’t put your livelihood in jeopardy and always make sure to go for the most comprehensive level of cover you can afford.

These days we all want to save some cash, and looking for ways to get private hire insurance premiums down can be a great way to achieve that. You might decide to increase your excess or perhaps want to look for an entirely different quote, but a word of warning—you may want to get a great deal but going too cheap will only ever be a false economy, so hitting the right balance is vital.

Let’s say you went for a basic quote from a non-reputable company with no added extras whatsoever. What happens if you’re involved in an accident? Or broke down when on the road? Or a member of the public was injured? The costs could be extortionate, and unless you have the right kind of insurance in place you’d have to cover them out of your own pocket. Think about it—could you actually afford that? It’d be a huge dent in your profits and in some cases could be hard to recover from, and if you’re getting poor service from your insurance firm it could cause even more hassle.

Going too cheap may mean you pay out less short-term, but in the long run you could end up paying far more. You only need to think about how often you’re on the road to see that going for quality is the only option—you’re statistically more likely to make a claim, so doesn’t it make sense to be protected? Your vehicle is your livelihood after all, and if you want to make sure everything runs smoothly and you’re not jeopardising your income you’d be wise to have the necessary protection in place.

That’s not to say that you can’t make some savings, of course. It’s perfectly possible to find a comprehensive policy without the price tag, and all it could take is a bit of shopping around. Research and compare the options, increase your excess and don’t be afraid to haggle and you could keep costs down whilst getting the private hire insurance you’re looking for, so make sure to avoid any policies that look too cheap—if it looks too good to be true, it probably is.

There are some things that any taxi insurance policy needs to have as standard. A basic level of cover will of course be essential, growing to third party fire and theft or even fully comp, with the specific features varying according to insurance firms and price ranges. But, no matter what you get from your insurance policy there’s one aspect that should always be considered—breakdown assistance. But do you really need it, or is it just another added extra that puts the price up without bringing any benefit?

Well, in a lot of cases yes, you really do need it. Just think about it for a moment—you’ll be on the road for an enormous length of time, far longer than if you were to drive a regular vehicle, and that means you’re statistically more likely to be involved in an accident or break down. It isn’t nice to contemplate but it’s worth bearing in mind nonetheless, because you wouldn’t want to be stuck at the side of the road without assistance and nor would you want to pay the often extortionate rates to get towed away, so doesn’t it make sense to be prepared?

Most insurance firms will be able to include this as part of a wider insurance package, and it needn’t cost that much to include it. Having it there can be invaluable should you need it, ensuring you’re not wasting time or money, being a great way to help protect your finances. Of course, if you’re lucky enough to never break down then having this kind of cover won’t have made a whole lot of difference, but it’s all about being prepared—the negligible impact it’ll have on your premiums means that it should always be considered, and besides, isn’t insurance of all kinds meant to be a safety net?

By having it in place you can have peace of mind that if you were to break down you wouldn’t be left stranded, because it’d be typical to remove it from your policy only to break down the next day. So, don’t run the risk—if you want to be prepared whilst protecting your finances then yes, you really do need breakdown assistance in your taxi insurance policy, and if you make sure to discuss your needs with your insurer you can be safe in the knowledge that a breakdown doesn’t have to be disastrous.

No-one likes to pay over the odds for things, particularly when it comes to insurance. It’s one of those payments that we all resent yet there’s no getting away from it, but that doesn’t mean you have to accept fate and pay a ridiculous amount of cash every month. If you want to keep an eye on the purse strings then going for the cheapest mini cab insurance possible will be high on the list of priorities, and if you’re looking for a policy to suit here are a few points you need to bear in mind:

• Make sure to do your research. Research is everything, particularly if you want to find the best deal, because unless you know what’s out there you can’t possibly know whether your price is reasonable.

• Increase your excess. Increasing your voluntary excess is one of the quickest and simplest ways to get a reduction in your premiums—levels are never set in stone and a quick increase could be all it takes to get more cash in your pocket.

• Don’t be afraid to haggle. Haggling is seen less and less these days, but if you want to get the best prices it’s time to bring it back—if you don’t ask you’ll never know, and if you can pit a couple of companies against each other it can lead to fantastic results.

• If it looks too cheap it probably is. There’s a fine line between good value and all-out cheap, and it’s a line that should never be crossed. If you want to be confident in finding a policy that will meet your needs as well as your budget you should never go too cheap—it’s all about striking the right balance, and if you’re getting a decent policy at a great price you can’t go wrong.

• Get in touch. Here at Taxi Protection we know you want to find the best possible quote out there, and with our price comparison tool you’ll soon be able to track down the policy that offers some great savings whilst giving you the level of cover that you’re looking for.

These are just a few points you need to remember if you want to get the cheapest mini cab insurance possible, and if you bear them in mind as you search you’ll have the policy you need without the usual price tag.

There are some tasks that always get put to the bottom of the to-do list, and souring the right minibus insurance quotes will often be one of them. It can be time-consuming, stress-inducing and more hassle than it’s worth, and that’s before you even have to think about how much cash you’ll be parting with. You want to get it over and done with as quickly as possible so you can get on with the more important aspects of your day, and luckily it needn’t take that much to find the quotes to suit. If you go about it the right way, of course.

The first thing you need to remember is that the internet is your friend. It can give you access to far more quotes than you’d ever be able to find on your own, and as an added bonus you’ll often be able to make some great savings too. You need to overlook the phone book and instead start your search online, and if you head to brokers or price comparison sites (such as us) it can be easier still. All you’ll have to do is fill in a simple form before being instantly presented with countless different options in one place, saving you huge amounts of time and hassle and making it easy to see which one would be right for you.

Of course, even though you’re heading online the more traditional rules of sourcing insurance still apply—you need to make sure you’re getting a great level of cover at the right price, and don’t be afraid to haggle a bit. Perhaps the best part about finding insurance in this way is that the whole thing can be over in a few clicks of the mouse, from the searching to the comparisons to the finalising of the policy, so if you need insurance fast it’s a great way to go. You could even save money for the simple fact that you’re arranging things online, so what are you waiting for? If you want to find minibus insurance quotes the easy way then heading online is the only way to go, so make sure to take a look around and you’ll soon see how simple it can be.

Driving a minibus can be a great way to make a living, but it’s also one that comes with a whole host of responsibilities. Not only is it a legal requirement to make sure you’ve got a basic level of insurance in place but as you’ll be dealing with members of the public you’ll have to look a little deeper, and legal protection is one add-on that should always be invested in. But just why is it so important anyway?

Well, it’s important for the simple fact that if you were to be involved in an incident the legal costs could quickly add up. It isn’t nice to think about but it’s worth bearing in mind nonetheless—you’ll be on the road for much of the working week so there’s a pretty high chance you’ll be involved in an incident at one time or another, and when you consider the fact that you’re dealing with members of the public it becomes even more important to be prepared. You’re responsible for the safety of everyone on board, and in a minibus you could well have several passengers at any one time—could you afford the legal costs if something went wrong?

In some cases legal protection will be included in your policy as standard whilst with other firms you’ll have to pay for the privilege, so as ever it’s important to do your research and thoroughly check the small print. A step up from legal protection will be public liability, ensuring that you’ll not only be covered for any legal fees but any compensation claims too, and again it’s always worth thinking about if you want complete peace of mind.

The importance of legal protection in minibus insurance should never be underestimated. From a financial standpoint you’ll be prepared for anything that could come your way, and from a more personal point of view it can give you something money can’t buy—peace of mind. With the right kind of protection you’ll be ready for anything, so make sure to discuss your needs with your insurer and you can get on the road in confidence.

If you’re in the market for taxi insurance, you might be wondering what kind you actually need. With so many options to choose from it can be difficult to know where to start—do you want a basic policy or something more comprehensive? What about adding named drivers or opting for added extras? As your taxi is your livelihood it’s important to be prepared for any eventuality, and that’s why any driver taxi insurance could well be the way to go.

This type of insurance effectively insures the vehicle rather than its driver—it offers cover no matter who drives the taxi, meaning anyone (with a valid licence, of course) can get behind the wheel and would still be fully covered. It’s the perfect choice for anyone who runs a taxi business and who may not know what drivers will be available, meaning different drivers will be able to share the same vehicle without jeopardising insurance cover. In fact, in any situation where you think you may not be the sole driver you might want to opt for this level of cover, giving you complete protection no matter what.

But, it’s important to remember that this type of insurance will often be a lot more expensive than regular policies. Because so many drivers could potentially use the vehicle you’ll be deemed as a higher insurance risk so your premiums will rise accordingly, but if you make sure to only let careful drivers with a good driving history get behind the wheel you’ll be able to negate the cost (and the risk) as much as possible. It’s all about discussing your needs with your insurer, and if you make sure to give them as much information as you can you could easily be left with the policy that meets your needs as well as your budget.

In a nutshell, if you’re not going to be the sole driver of the vehicle then any driver taxi insurance could be right for you. You can be safe in the knowledge that your vehicle is fully covered no matter who’s in the driving seat, and the increase in premiums could be a small price to pay for getting the peace of mind you need.

If you’re looking for taxi insurance you’re always going to want the best policy you can get your hands on. As a taxi driver your livelihood could be on the line if you don’t have the necessary level of cover, so just how can you find the best taxi insurance policy to suit?

Well, the first thing you need to do is get researching. That’s the only way to be confident in tracking down the policy that will meet your needs—unless you spend the time to look you can never be sure what’s out there, and if you dive right in and make rash decisions you could easily end up spending over the odds. You always need to have a great selection of options to choose from, and from there you’ll be able to narrow them down to find the one that works for you.

You could always do this on your own, but if you want to increase your chances of getting access to the best options then heading to a specialist broker or price comparison site (such as us) will make the whole thing far simpler. You’ll get instant access to a huge range of quotes and can easily compare them to find one to suit, but of course, different people have different requirements. A perfect policy for one person might be useless to someone else, so the only way to really get the best policy is to make sure it meets your exact circumstances.

The type of cover you’ll need will always depend on your individual requirements and as such any policy should be tailored to suit your needs, but as a general rule you need to make sure you’re getting one that offers the right level of cover at great value for money. Your taxi is your livelihood so you should always go for the most comprehensive level of cover you can afford, and make sure to include all appropriate added extras as well.

Once you’ve done your research and have found the right policy at the right price you can get on with your day in confidence, safe in the knowledge that you’ve found the best taxi insurance policy out there.