Detailed information about Public Hire Insurance

Posted by joelee on August 18th, 2022

We provide public hire insurance all across the UK. We are aware of what a black cab motorist goes through. It's a complex job because you regularly spend long hours at odd hours transporting riders through overcrowded traffic. With our public hire taxi insurance, you may drive with complete confidence, knowing that it is protected against a variety of conceivable risks.

What is covered by public hire taxi insurance?

Generally speaking, public hire taxi coverage includes the same things as private hire coverage. Due to the increased risks you run when transporting members of the public, you will discover that the excesses and coverage limitations vary.

Public liability insurance, coverage for cab communications and audio equipment, and windscreen replacement are sometimes offered as optional extras or even come as standard in some extensive insurance policies.

As usual, be sure you have the appropriate level of coverage by checking your insurance policy documents twice before making a purchase.

What is public hire insurance?

Public hire insurance protects a taxi that is authorized to function effectively as a hackney carriage or a black cab that you can hail without making a reservation. Taxis used for prearranged appointments through an operator are covered by private hire insurance. Taxis for private hire cannot be flagged down on the street.

What distinguishes private hire from public hire?

A public hire vehicle is a black cab that is registered to operate as a hackney carriage and that you can flag down without making a reservation. A private hire car, such as an Uber or a taxi, must be reserved in advance.

A private hire car, such as an Uber or a taxi, must be reserved in advance. Both public hire vehicle insurance and private hire vehicle insurance include a type of hire and reward cover. Which is an insurance category that enables drivers to lawfully transport individuals or items on behalf of others in exchange for payment.

Can I operate the taxi my spouse owns?

Can my spouse operate the cab for personal reasons? Yes, you can insure your spouse as a driver for your taxi. However, you must first confirm that your licensing body permits this and that your spouse holds a valid private or public hire driver's license. They could not be qualified to operate your cab if they are not.

Are taxi insurance and hire and reward the same?

According to the legislation, any vehicle that is driven or kept on a public highway must have motor insurance. Taxi insurance is necessary when an automobile is used to transport people for hire or payment.

What about public liability insurance for taxi drivers?

Taxi insurance for public liability guards you and your company from any unanticipated situations where you might be held liable. Taxi public liability insurance guards both you and your business from unexpected scenarios where you could be found accountable for the safety of a third party. This means that, in addition to your regular taxi insurance, you will also need a public liability coverage policy.