Best Taxi Insurance In London
Why do I
need a taxi insurance? All taxi drivers need a taxi insurance to drive a vehicle
on a public road to transport, rent or reward passengers. This might be a
public car hire for Hackney cars (black taxis) where you can stop vehicles,
yes. "stopped" or "stopped" on the road or in private
minicabs where vehicles must be reserved in advance by phone or online.
What does a
taxi driver do? Taxi drivers are usually self-employed and need a taxi from the
local authority to cross Hackney Carriage or Private Employment. Taxis from
private companies may only carry passengers by prior arrangement. You cannot
connect a taxi lamp on the roof of the vehicle or pick up passengers on a
public road. Taxi drivers with Black Cab or Hackney Carriage can pick up
passengers on the street or at a taxi rank as part of a public or private
lease.
Drivers
must be at least 21 years of age to drive a Hackney wagon and have a valid
driver's license for at least 12 months. They must be free from criminal
convictions for fraud, theft, violence or sexual crime. It may be necessary for
the driver to obtain a medical certificate and make a formal evaluation of his
local knowledge. Similar requirements apply to private drivers.
What should
I look for when choosing a taxi insurance policy? Costs are not the only factor
to consider when signing up for your taxi insurance. A lower premium can mean a
lower coverage amount. You should check what is included in your cover because
it often excludes items such as radio coverage, replacement vehicles, and glass
covers. You should also check what is deductible. This is the amount you will
have to pay in addition to your voluntary delay design in case of claim. Make
sure you have no unpleasant surprises at the time of request. Finally, find out
what helps protect your premium. This usually increases your insurance premium,
but the guarantee can only be provided if you stay with the same insurance
company.
How can I
reduces my taxi insurance premium? Voluntary surplus Voluntary surplus is the
amount you pay in the event of a disaster. Generally, the higher the volunteer
time, the lower your cost. However, you must understand that it will cost you
if you have to make a claim. This in addition to the current restrictions that
apply to your policy.
Limited
drivers Insurers prefer fewer drivers because fewer drivers mean less risk. If
you limit your contract to yourself or another designated driver, you will
generally receive the greatest discounts. Experienced drivers Experienced
drivers generally benefit from discounts, which is a minor risk to the
insurance company. The longer you and your designated driver stay in a
municipal taxi, the more you will receive a discount on your reward.
Reducing
Unsolicited Questions Depending on your experience with unsolicited questions,
you can often benefit from discounts ranging from 20% to 60%. If you and your
designated drivers are allowed to travel for free for at least one year, you
may receive additional discounts on your policy. Some insurance companies do
not allow you to use the loss experience you have accumulated in a private car.
However, you should always ask the insurance company first.
Note that
these definitions are for informational purposes only. For detailed
information, contact your real estate agent such as Cubit Insurance or an
insurance company.
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