They also cover insurance liability services for both public liability and local authority related insurance liability. Because they cover wide range of services they also break down the insurance policy down to the level it could be affordable to most people. The method of payment for the premiums is also reduced to the level nobody will complain of affordability. The premiums which they provide can also be paid in installments. Moreover the policies are further divided into different categories such as the three months period policy, six and even twelve months policies. The essence of their dividing the policy into smaller units is to make it more accessible and affordable to most people.

Furthermore there are other quality services which they provide to the cab owners. They have provision for a very simple single offer as well as the offer for the multi and fleet quotations as well. Also available with them are the offer for coach cover insurance and minibus insurance coverage.

The reason why they are the clear leader in the business is not just because of the types of insurance policies which they offer which customers agree is among the best and cheapest anybody could get in the United Kingdom but also they have high qualified and experienced staff who are the best brains available in this country as far as cab insurance policy is concerned. What makes a business survives is the level of expertise of the managers of the company. As far as expertise is concerned the company has the technical know how and the skill with which they manage the business to the taste of most people. They offer a very caring service even in time of emergency. Irrespective of what might be the cause of the accident the company will follow you through and give you the final assistance which you needed in replacing your cab.

They have specifically designed special policies which are extended to the offices of the minibuses, coasts and cabs. They offer such items as public liability, contents and buildings, liability of council, radio and meter and a lot of other services which they provide for the comfort of the union, the vehicle users as well.

You will have to obtain an Enhanced Disclosure form from the Criminal Records Bureau and normally you will be expected to have a clean driving licence. You will be assisted in doing this by the licensing agency. If you have a criminal record this does not automatically disbar you from becoming a minicab driver, as it depends on the seriousness of your conviction and how long ago it was. Equally if you have points on your driving licence it depends on the motoring offence and its seriousness, but again you will not be automatically disbarred from becoming a minicab driver.

The test for a minicab driver typically takes 35-40 minutes and will be in the conditions you would normally be expected to be driving in. In addition to being tested on your practical driving skills you will be asked specific questions about the best routes to take from A to B in your area and you will be expected to be able to describe a route from some of the main landmarks in that area. You will be asked questions related to the Private Hire Saloon Highway Code also. You will have to pay for this test and prices vary from city to city so you should check these out when you collect your application pack.

You will need to have a medical examination, and may be able to have this with your own GP or the licensing authority will specify a doctor for you to book an appointment with. A minicab driver needs to have a high standard of medical fitness just as does a bus or coach driver or a driver of a large goods vehicle. If you suffer from a serious heart disease, poor eyesight, epilepsy or insulin treated diabetes then these illnesses would disqualify you from becoming a licensed minicab driver.

You need to have had a full driving licence for at least a year and some licensing authorities want you to have had one for three years minimum. You will need to have a current full licence issued by the DVLA, Northern Ireland or European Economic Area (EEA).

Before you decide to go ahead with your application to be a minicab driver, you should do some research and try to find a job with a minicab company, as you don’t want to give up your job and then find that you can’t make ends meet as a minicab driver. There may already be more than enough in your area. Do some research and talk with private hire drivers to find out exactly what your financial position is likely to be.

There are two types of taxi insurance in the UK; private hire, usually minicabs operating from a taxi office which pick up passengers at a time and place that has been prearranged, and public hire insurance for taxis such as black cabs which can be hailed on the street.

If you decide to go for a quote online, you will be asked some questions and depending on your answers, you can be given a quote and pat online if you accept it. However you should take some time to read the documents you are presented with very carefully before accepting any quote.

Some insurance companies would prefer you to phone and get a quote so that ny policy would be tailored to suit your needs. For example, if you have a clean driving record in your own vehicle and are a new taxi driver, you can benefit from your previous clean record. If you have held a taxi badge for 12 months, then you also qualify for a discount on the premium you will have to pay. There are also discounts available for drivers who have previously been employed as company drivers.

There are several types of taxi insurance which are the same as for other vehicles – Comprehensive, Third Party Fire and Theft and Third Party only. Remember that third party insurance does not cover you or your car. Some insurers will offer you a policy which guarantees you a replacement taxi in case you have an accident and your taxi is off the road for any period of time.

To be sure you get the best deal out there, talk to other taxi drivers and ask who they are insured with, and how much their premiums are. Are they satisfied with the level of cover they have? Then go online and see what is on offer, and ring up insurers who seem to be offering the best quotes to see if they can give you extra discounts. Find insurers that specialise in taxi insurance, so you know that you are dealing with experts in the field.

Finally, check the small print very carefully and if you don’t understand anything at all, ask questions and clarify your doubts. There are people who can help you with this, for example, your Citizen’s Advice Bureau. Don’t be afraid to ask for help with the small print as well. You don’t want to have to pay for hidden extras, and it’s better to be safe than sorry.

Just like cars, the level of protection available for mini cabs are the same i.e. third party only, third party, fire and theft and also fully comprehensive insurance. Due to the fact that mini cab drivers solely rely on passengers to book them for their travel needs the chances of driver liability are higher so insurance premiums are generally more than standard vehicles. When an insurer quotes you, they will do a risk assessment. They take into account mini cabs will do triple the national mileage average and will drive all hours of the day with a lot of time spent in traffic. Accidents are most likely to happen during peak hours and this is when mini cabs are most needed to help clients get from A to B.

There are now many taxi brokers that promise to get you a good fair deal but as we all know brokers will add a small fee for their services. It’s best to contact at least 5 different mini cab insurance companies that specialise in this area of motoring. Premiums are likely to be lower and customer service will be better as they deal with mini cabs day to day. Going with a mini cab insurance company will also ensure that all claims are handled quickly and with expert knowledge as they have built a reputation in this field. Remember that your taxi or black cab is your way of earning a living and you should do everything in your power to make sure that your mini cab is adequately covered for unforseen circumstances.