Things To Consider When Looking For Black Cab Insurance
Black cabs are a common sight in British cities, particularly in the capital city, London, famous for their design and drivers. The Hackney carriage is definitely a staple of British society and popular all around the world. If you are a Hackney taxi driver, you will need to ensure that you have obtained black cab insurance to protect you against the risks associated with being a private hire taxi driver.
Your quote for black cab insurance will depend on a variety of factors including the population density, the location you work in, your driving history, whether you have any points on your driving licence etc. There are other things that the insurer might also want to know such as how many drivers you need cove for, the age of the vehicle and how many years you have been a qualified taxi driver.
The idea behind insurance is to protect you the driver, your passengers, other drivers on the road, and your vehicle. This means that obtaining black cab insurance should be a priority for anyone responsible for driving a Hackney cab.
As with any type of insurance, you need to consider what the policy covers as not all policies are the same and will provide protection for different things. As black cab insurance is quite specialist it is always a good idea to speak to a broker or a specialist taxi insurance company as they will have the know-how and experience to help you.
Value for money is particularly important when looking for a suitable black cab insurance policy as owning a business can be expensive so you always want to get the most for your money. It is usually worthwhile looking for a policy that provides you with a replacement vehicle as it could cause severe financial loss if you have to close your business after an accident or breakdown.
There are many things that taxi drivers and owners of taxi firms need to consider when searching for black cab insurance policies, but most importantly you need to have carried out significant research and get the right price for your cover.