DIFFERENT TYPES OF INSURANCE COVER FOR TAXI VEHICLES

As a taxi driver, it's imperative that you guarantee your vehicle is completely safeguarded for your business needs. In the event that you don't have the right cover, Claim your Excess only one mischance can bring about you losing your most vital business resource. Private and Public contract vehicles, not at all like your own auto that you utilize each day, are required to have the right protection cover for conveying travelers, for reward and contract.

Before you take out a protection strategy, it is crucial to pick the right arrangement for your taxi vehicle. In many occurrences, authorizing controls will expect you to demonstrate your substantial protection reports, before they allot your taxi tag.

Which type of vehicle do you wish to insure?

 Public Hire

An open contract vehicle, for example,insurance excess an aukland Black taxi or Hackney Carriage, don't require pre-booking, and can be hailed in the road, and grabbing travelers at a taxi rank. They ordinarily have a taxi light fitted to the auto rooftop, that shows if the taxi is empty and for employ.

Private Hire (PHV)

This kind of strategy for PHVs, is gone for drivers of private contract vehicles that are dependably pre-booked through a taxi office or via phone. These vehicles are additionally authorized to convey travelers, yet can't be hailed in the road.

Executive and Chauffeur Hire

These drivers offer a superior chauffeur service, usually for weddings and special events. They may require a more specific policy for a higher insurance group and higher value model of car.

Multi Passenger and Mini-Bus type vehicles (MPV)

An MPV normally carries between 6 - 9 passengers, whereas a Mini-Bus is capable of carrying between 10 -15. These MPVs are usually in a higher insurance group than a standard 4 - 5 seater taxi insurance, (including the driver), as they are considered to be a higher risk due to number of passengers.

Wheelchair Accessible Vehicle (WAV)

This is the taxi insurance policy you require if you operate a vehicle that has been modified, or purpose built to carry wheelchairs you must check here cheap insurance.

Key points to consider when searching for your insurance policy

Drive safely and maintain a clean licence to increase your no claims bonus Declare any vehicle modifications, especially for disabled access as this can reduce your insurance premiums Fitting a security device, or an in-vehicle CCTV system to your taxi vehicle, which can discount your premium Make sure that you are insured to use your vehicle for personal, as well as business use, so you can use your car when not working 

Ensure that you have the funds available to pay for a higher excess in the event of a claim Insure My Taxi 4 Less, why claim excess can help you find an insurance policy to cover all of the above vehicle type options, depending on your personal and business requirements. With discounts for no claims bonus and for previous taxi driver experience, recovery of losses and with some policies, a replacement vehicle if you are involved in an accident that was not your fault.