What is Any Driver Taxi Insurance?
We all know that motor insurance is legally required for any driver and any vehicle on the road, but if driving is your livelihood you really cannot take any chances. As a taxi firm owner or driver, having adequate taxi insurance in place is absolutely essential to ensure that you do not have to pay for any costs in the event of an incident.
Sometimes you will find yourself in a situation where you might require someone else to drive your cab, so in these circumstances you need a policy that will allow another driver. This is what is known as any driver taxi insurance â€“ it is very similar to regular auto insurance, but there are some important differences.
If you already have a taxi insurance policy and simply want the ability for other staff members to drive your vehicle, you must first gain permission from your local taxi authority. Once you have this confirmed, you need to add the additional drivers to your policy.
When you add another driver to a regular car insurance policy, they need to submit their DVLA driving license to prove that they are legally allowed to drive on public roads. The same applies for any driver taxi insurance, only they must submit their taxi license to the insurance provider too.
As is standard with motor insurance, the drivers need to disclose any information on convictions they have or points they have on their license. To drive a car legally you currently need to be over the age of 17, but to be eligible for any driver taxi insurance, you must be over the age of 21. It is very common for people under the age of 25 to obtain an affordable policy as the premiums are far higher for young people. You will find that some insurers refuse to insure any one under the age of 25.
If you are searching for any driver taxi insurance, you will probably benefit from carrying out a little online research and asking other people in your industry who they are insured with. It is also important to remember that the cheapest quote usually does not provide the best cover.