Do You Need Public or Private Taxi Insurance?

Do You Need Public or Private Taxi Insurance?

Being a Taxi driver is a fantastic occupation, especially in Northern Ireland. It presents the opportunity to meet new people every day and listen to a variety of stories (because everyone loves to chat in NI). However, if you are transporting people from A to B, it’s crucial you have adequate taxi insurance cover. If you’re responsible for extra passengers within your vehicle you can’t afford to take the risk!

Insurance Policies

Whether you are a private hire driver or a public driver, taxi insurance is a legal requirement drivers need in order to operate freely. Typically, taxi insurance policies are higher than normal car policies but this is because; taxi drivers are likely to do more mileage than the average driver; they tend to drive bigger cars; carry more passengers; and are more likely to be found in congested areas such as city centres, putting them at risk of accidents. These factors are therefore reflected in premiums.

There are two types of cover you can go for; Private or Public. Private hire taxi insurance will cover you for pre-arranged bookings, but you will not be able to pick customers up from a taxi rank or take anyone who waves you down in the street! So if you would like to carry both types of fares, you will have to opt into public hire insurance. This will enable you to pick customers up without bookings which will prove useful at airports, train stations and peak periods.

What types of cover are available?

  • Fully Comprehensive Taxi Insurance
  • Third Party, Fire & Theft (TPFT) Taxi Insurance
  • Third Party Only (TPO) Taxi Insurance
  • Young Driver Taxi Insurance

Taxi Insurance NI

Contact Abbey Insurance Brokers today to see how we can help you find the best taxi insurance policy! Our specialist team will search from a range of companies and negotiate great deals on your behalf. We also have a 24hr hour helpline which means we’re here when you need us most. Give us a call on 08000 66 55 44 or let us call you.

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