Make your best efforts to find cheaper taxi insurance

Finding insurance for a taxi shouldn’t be difficult, as there are multiple companies which provide such insurance schemes. However finding the insurance isn’t the issue – it’s finding insurance at the right price that is the problem for many consumers. There are a few ways that can ensure you get the lowest taxi insurance quotes, though, so it isn’t all gloom and doom.

First of all, make sure that you shop online for your insurance. The cheapest taxi insurance quotes will usually come from smaller online companies – going with the big commercial companies will certainly give you the highest price. Smaller companies will have fewer overheads, and will need to entice customers to go with them – they mainly do that by passing on their lower operating costs in their insurance quotes. The internet will allow you to connect to these smaller companies, and compare their prices against the type of cover that they offer.

You should also ask around among your friends and colleagues for advice on getting taxi insurance quotes. A great asset that you have is being able to gain personal recommendations for good companies, to minimise the risk of coming across a less reputable company. You can also read online reviews and forums to see if there are any comments or stories about a company that you are thinking of going with; the internet is not only a tool to allow you to search for companies, but also a tool to allow you to check up on and rate companies. Never underestimate that power of word-of-mouth; it can be extremely valuable, and key to getting you the cheapest policy possible.

A mistake that some people make when insuring a vehicle is to get cover which is far too comprehensive for their needs. Check which insurance policy you need to operate – it’s unlikely that you need every additional feature that a company offers, so stick with the most basic package that covers your needs by law. It may feel nice to have the comfort of the flashiest insurance policy available, but it certainly won’t feel nice on your wallet!

Get the cheapest taxi insurance quotes at Redmetro

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Starting out as a taxi driver

In these tough economic times, getting out and earning a extra bit on the side is increasingly popular. And one of the easiest ways to do this is to start working as a taxi driver. Remember that all taxis and private hire cars in the UK have to be plated by the local authority so it’s not just as simple as buying a roof light and fitting a fare metre. It is best to start by signing on with a local firm as an owner driver. They will have the necessary experience to help you set up in the required manner.

One of the major considerations is that you will need specialised taxi insurance. Ok, so where should you start? The market is complex and you can’t just go online to a comparison website (but you can get individual quotes online). The best place to start is to contact a taxi insurance broker.

Going through a specialist will minimise your chance of being charged over the odds; after all, we all know from experience that the most expensive policy is not always the best. Here is where you must make your decision, either you start contacting one insurance company at a time, collecting and comparing quotes while reading page after page of fine print to make sure that the policy is right for you.

Or you could just call the specialist, in this case the taxi insurance broker. Normally I wouldn’t use a broker when you can get quotes online, I mean, who uses a broker nowadays for their everyday car insurance? But for such a specialised market I would recommend it. They will know all the ins and outs of each policy and will have plenty of contacts in the industry to help find you the best deal. Even better, they should have access to all the special offers which are often only available for short periods of time. After all, driving a taxi could well be a second job and you don’t want to spend hours filling out paperwork when you could be driving and earning cash.

Taxi Protection is a specialist taxi insurance broker.

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How to choose good Taxi insurance companies

In today’s ever changing economy, starting a taxi business is not a bad idea. If you are planning to start your very own taxi business in your town then you have come to the right place. In this post I will be talking about taxi insurance companys.

First and foremost you should know there exist two different types of taxi services. The public hire and the private hire services. In order to conduct your taxi business in a legal manner it is very necessary that you purchase a good taxi insurance which is relevant to the taxi service that you are about to open. The public hire taxis are the one which can pick up customers from public places and can wait on the road until a customer comes to them. While the private hire taxi can only pick up pre-booked customers. They are not allowed to pick up customers from road nor wait in the road until the customer approaches. For these two type so services there exists two different types of policies which are based on the risk and damage that he vehicle can sustain during service.

If you are planning to buy a good insurance policy then it is necessary you know a thing or two about taxi insurance company’s. In UK alone there exists literally hundreds of company however only few are reliable and trust worthy. As a beginner to the world of insurance it can become a hectic task for you to choose the best company. Here are some tips which might help you choose a good provider.

  • First not all taxi insurance company’s are the same. You cannot generalize the policies offered from various insurance providers. It is vital that you take your time and understand each and individual policy provided by different providers.
  • Secondly when you start searching for taxi insurance company, it is necessary you make bit of background check on the company’s you are interested in. the most important thing that you need to see is the number of years the providers have been offering there services to the general public. The amount of reviews they have been receiving and the amount of positive feed backs which they have received.
  • Third thing about the company’s is that you need to talk to various people before you decide to buy the policy form a company. It is helpful if you can talk to the people who have already purchased the policy from the company. They can give the pros and cons of the company with specific detail.
  • Lastly you need to be outright open when you are negotiating deal with the company. Do not hesitate to ask any doubts that you have. Remember they exist to serve you and it is important that you utilize their full service.

Angella Brown is an expert author on various interesting topics. To know more about the various policies why not compare taxi insurance companys yourself, from a range of top providers. For more in-depth analysis of insurance feel free to visit us at Taxi Protection Insurance.

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Taxi Insurance is Essential

Taxi Insurance Next To GodlinessIt’s an old adage that cleanliness is next to Godliness. Well the same is true of taxi insurance for all those self employed taxi drivers, chauffeurs and taxi fleet management businesses out there. That means you!!

How many hours do you spend on the road day in day out, inbetween cars driven by people you don’t know? Probably thousands on a weekly basis with all sorts of driving experience with you in the middle transporting your passengers from A to B on an hourly basis. How many times are you cut up, beeped at, close to being hit by the car behind or the car in front slows down too quickly?

Being a taxi driver is a job that requires precision driving as well as offering a timely service that is brought to all within the constraints and speeds of the law. It’s not only other vehicles that can be an hazard, pedestrians are forever walking in the road and cyclists may not adhere to every red light and sign that they should leaving you open to yet more third party liabilities that a taxi insurance can sweep up in seconds.

Finding the best taxi insurance to cover yourself as a self employed driver or your fleet and individual drivers should be a primary concern. The well being of your client in the back seat should also be paramount, with adequate insurance to cover their personal belongings that could be lost or damaged and any personal injury to them whilst in the taxi they have booked for the journey, for your sake as well as theirs.

Taxi insurance is next to Godliness and should be the first thing to consider when you get your license through or are due to renew. Protect yourself and your passenger in every event, a taxi driver spends a lot of hours on the road, sometimes you may just have a bad week.

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Taxi Insurance UK

Are you a private mini cab driver, or do you operate a hackney carriage? Either way, if you are a taxi driver whose business is keeping people moving, you need to consider taxi insurance UK.

Taxi cover is different from your standard private motor policy, as this does not cover you for business activities. If you intend to rely on a regular private policy for your business activities, you run the risk of your insurer not paying up in the event of an accident. Where would your business be then?

Having appropriate cover in place will allow you to continue your business with the peace of mind of knowing that your assets are safe, so that you can concentrate on doing what you do best – driving people safely and for good value.

So how can you drive down the cost of taxi insurance UK?

• If you more than one taxi in your fleet, cover them under the same policy as you will be able to secure a substantial discount. As a reward for giving them the business of all of your vehicles, insurers should offer you a good price.

• A higher excess usually means a lower price.

• You will be well aware of the importance of employing safe drivers in your profession. But not only will this practice benefit your customers, it will also benefit your bottom line. Better, safer drivers are cheaper to insure. Rather than a general policy, name your drivers and give details of their driving experience and history.

• The best reward for having a safe claim record is a no claims discount. Sometimes called a no claims bonus, this is a reduction that insurers make in your premium as a mark of recognition that you are a safe person to insure. It does not usually matter that your history is with another company – your certificate can be used as proof of your history.
Other things to consider are the other elements of cover that the insurer can offer. Do you operate out of an office where you take bookings for taxi hire? Taxi insurance UK firms sometimes offer this as part of a package, alongside public and employers’ liability appropriate, where appropriate.

Finally, no matter how well maintained your vehicles, motorists always run the risk of breakdown. Ask whether your insurer offers a deal on this, or even will include it in your taxi cover.

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