The Private Hire Car Insurance is a compulsory insurance for all registered private hire drivers. The insurance covers third party liability, personal injury and damage to the hire vehicle.
What Does Private Hire Car Insurance Cover?
Third party liability – This is the minimum level of cover required by law and it provides compensation for any third party who suffers injury or death as a result of an accident caused by you or your vehicle while you are working as a registered private hire driver.
Personal injury – This covers your legal liability towards other people if they suffer injury because of something that happened while you were working as a registered private hire driver. It also includes legal costs to defend yourself against claims from other people who have suffered injuries because of something that happened while working as a registered private hire driver.
Damage to property – This covers damage caused by an accident for which you are legally responsible while working as a registered private hire driver up to £1m (or £2m if you have at least 5 years’ experience).
Legal expenses cover – This covers legal expenses for the defence of any claim against you, including a claim for personal injury.
Who Needs Private Hire Taxi Insurance?
Anyone who drives for a private hire taxi service needs to have private hire taxi insurance. You will also need to have this if you want to drive for a cab company that doesn’t provide its own insurance cover.
The law states that all private hire drivers must have insurance cover. This is to make sure they are legally covered in the case of an accident while driving passengers. It’s also a condition of getting or renewing your licence as a taxi driver.
Where To Get Private Hire Taxi Insurance in UK?
Getting private hire insurance cover is a simple process in UK. You can get it through your existing car insurance provider, or you can get a bespoke policy from a specialist provider. If you don’t have any kind of private hire insurance cover, then it’s best to speak with an expert who can advise you on the right policy for your needs.
The best way to find a private hire insurance provider is online. You can search for providers in your area and compare policies, prices and extras such as repair cover.
Private hire insurance is a legal requirement in the UK. It covers damage to other vehicles, injury to passengers and third parties, and theft of your vehicle. You can find a private hire insurance policy online, or you can speak to your current car insurance provider. If you don’t have any kind of cover, then it’s best to speak with an expert who can advise you on the right policy for your needs.