What Type of Coverage You Can Get from Public Hire Taxi Insurance?

The premium cost of Public Hire Taxi Insurance policies depends on how much risk is involved and whether there are any extras included in the policy, such as theft protection.

What Type of Coverage You Can Get from Public Hire Taxi Insurance?

Taxis are the most common mode of transport and so it is expected that they have their taxi insurance. This is to provide protection to their passengers as well as the vehicle they use. The different types of taxi insurance cover depending on the type of taxi that a driver is using.

Taxi Indemnity:

Insurance policies of public hire taxis cover all public hire taxis, excluding emergency public hire taxis. They do this by means of a one-off payment, which is also known as 'taxi indemnity'. This is generally calculated in line with the size of the company and the type of vehicle used by the company, as well as the type of passengers being insured. The premium cost of an insurance policy for public hire taxi is generally based on the weight and the size of the vehicle being insured. The legal costs that can arise from a claim in this policy include all court costs as well as any other expenses that may arise out of the accident.

Cover Third-Party Drivers:

A policy that covers public hire taxi drivers also provides cover to third party drivers, for example, if they damage the vehicle while driving. This policy will also protect the vehicle itself. The premium cost of Public Hire Taxi Insurance policies depends on how much risk is involved and whether there are any extras included in the policy, such as theft protection.

Covered Injured Passengers:

Taxi cover for a driver is also included in the taxi indemnity policy. It can be used for injuries that occur when the vehicle is in use or as a result of an accident where a passenger is injured. Other policies are available which also provide cover for passengers.

Personal Injury Cover:

Taxi cover is also available for any passengers who are hurt while using the vehicle. This is commonly referred to as personal injury cover. Any passenger who uses the vehicle without proper insurance coverage risks being charged a heavy fine or even being imprisoned.

Vary in Amount of Cover:

Taxi insurance can also vary in the amount of cover that it provides for. The level of cover which a vehicle is protected by is also different in different policies. A comprehensive policy may provide much more protection than a liability policy, which may only offer basic coverage.

Premium Level:

The level of cover for each driver may also be subject to a number of variables. Some are required to be insured at a higher premium level than drivers who are only using the vehicle for personal reasons.

Different types of policies will also allow passengers who are injured to use the vehicle and therefore be able to travel without paying for their own medical expenses and the expenses incurred by passengers that use the vehicle. as passengers without having to pay the cost.

Protection Against Losses:

Public hire taxi policies are designed to provide all passengers with protection against losses that could occur at any time in the course of the journeys that they make. This includes theft of belongings from passengers and damage caused to vehicles.

Taxis are not just for the rich. Anyone can drive a taxi legally, and there are many ways in which a person can drive one legally. The different types of Public Hire Taxi Insurance cover to provide protection for those who wish to use a taxi for any reason.

The different public hire taxi policies available to cover different drivers also differ with respect to the extent of the insurance required. Some cover just bodily injuries while others also cover passengers.

Get Quote:

Getting quotes for taxi insurance is a real challenge if you run a private hire cab. If you are a high-risk driver, it is likely that you will have to take out public hire taxi insurance at some point in time. This insurance is designed to cover the people who use your vehicle for hire purposes. It also covers any third parties who get into an accident with you or your car.

Help You Claim Compensation:

Taxi drivers are not the only people who require to carry this type of insurance but, you should take note that, even though you might think that it is unnecessary, this type of insurance coverage is absolutely necessary and can make life difficult for you, in the event of an accident, and it can also help you claim compensation from the other party. It is important that you find the right company to provide you with the best public hire taxi insurance coverage. By doing so, you can rest assured that your safety, as well as the safety of those who may be injured or killed, are covered.

Try to Get Discounts:

Getting public hire insurance coverage from an insurance company that specializes in this type of coverage is advisable for those drivers who wish to avoid any potential complications in the event of an accident. In general, these policies are affordable. Some insurance providers actually offer discounts when you carry their insurance for public hire taxi purposes. This is because they are able to offer a wide range of cover options. They are able to offer cover for liability for damage to the vehicle, medical costs, as well as coverage for any passengers or other third parties.


Taxi cover for personal use can also provide cover for the personal use of the vehicle in the event that the vehicle is damaged while in use. This type of insurance is usually referred to as third-party insurance. Call Cubit-Insurance to get the best insurance coverage for your taxi.