Driving a taxi can be a difficult business. While you have the freedom to choose your own hours,which can sometimes mean more time at home with the family,you can often end up working long days and there are a number of factors that can affect your income.
It’s not just as simple as turning up to work and getting on with it. When you’re out on the road and dealing with members of the public all day every day,any number of things can happen. While you have to have your wits about you when driving;some things you can’t always prepare for. But with an appropriate taxi insurance policy;at least you know you’ll be covered.
Choosing the right taxi insurance
It’s not just as simple as getting a taxi insurance quote online,jumping in your cab and getting the customers from A to B. There are various factors to take into account when choosing the perfect policy.
Making sure your custom is covered
Most taxi insurance providers differentiate between public hire and private hire. When deciding on the appropriate policy you need to ensure your custom is covered by your policy.
Checking for public liability insurance
All businesses who welcome customers onto their premises are required by law to take out public liability insurance. This differs slightly when customers get into your cab,but it’s still worthwhile ensuring this is covered adequately by your policy. If one of your customers suffers an accident or a healthcare issue in your cab and brings a claim against you;this will be covered by the public liability element of your insurance policy.
No matter how careful a driver you are,you can’t rule out the possibility of an accident happening. And if it does,the effect it can have on your earnings. Personal accident cover should always form a vital part of your policy. If you are injured and unable to drive for a few days,having this form of insurance will cover you for your loss of earnings. It will also be valuable if you’re unable to continue to drive following an accident.
Protecting your cab
If you break down or your cab is damaged,you’re unable to earn money. Having breakdown insurance will ensure your vehicle is seen to as quickly as possible. This is one of the worst things that can happen;so you need to make sure you’re covered.
It’s not the same as any other job;all the special circumstances need to be accounted for.