Fri, 11 May 2012 19:39:24 -0800WeeblySat, 16 Oct 2010 12:12:18 -0800http://taxiinsurance.weebly.com/1/post/2010/10/hackney-insurance.htmlA hackney vehicle requires a special form of hackney insurance to cover the vehicle. The hackney refers to a carriage or vehicle for hire in the UK and they are regulated by the Public Carriage Office in London or the local authority in the non-metropolitan areas of Great Britain. In Northern Ireland, the Department of the Environment regulates the hackney vehicle.  Due to the regulations, involved, hackney vehicles must conform to certain designs. The vehicle cannot be allowed to ply for work unless it has been checked and verified by the right authority. In London, drivers have to pass a test that checks to see the drivers are familiar with London streets. Other authorities only require a background check and a fair driving record. Some communities require the driver to pass a local form of The Knowledge, as most London drivers must for London. Random checks are often performed to ensure drivers are in compliance.

 

Maintaining the hackney vehicle is very time consuming and expensive for a driver and the owner. The insurance for a hackney vehicle is not any more expensive than for most other specialty vehicles in the UK. You can find discounts and ways to save money just as most other taxi drivers can through clean driving records, number of vehicles, type of vehicle, and location of service. However, because the hackney is closely regulated, many drivers need extra coverage to ensure they are protected especially from third party damages. For this reason, the hackney insurance policy can be higher than a regular taxi policy. If you are looking for hackney insurance, be sure to consider the insurance broker you can compare many different specialty companies to find the one that is right for you. You do not want to cut back on coverage to get an affordable policy because it will not do you any good if you have a serious accident and do not have the coverage to protect yourself. Protect your livelihood and find the right hackney insurance for your vehicle at a cost you can afford. The consequences of not having the insurance are too high to pay.

]]>Fri, 25 Jun 2010 07:55:26 -0800http://taxiinsurance.weebly.com/1/post/2010/06/hackney-carriage-insurance.htmlGetting hackney carriage insurance is no different to get than other specialty insurance policies.  The hackney carriage began as a horse-drawn cab and today the hackney carriage is any taxicab licensed by the PCO, Public Carriage Office.  A hackney carriage is also taxicabs that are licensed in other non-metropolitan areas by the local authorities.  Some horse-drawn carriages still exist in several parts of the United Kingdom.  A hackney carriage is allowed to move along the streets and allowed to pick up passengers.  UK regulations allow this taxicab to pick up passengers that have not booked in advance for a pickup.  Minicabs are private for hire vehicles that must be booked in advance.

 

To find a hackney carriage insurance policy, you can go online and do a general search for insurance carriers.  Many regular insurance companies offer insurance for the hackney carriage but you might find better prices with someone who specialises in hackney carriage policies.  Many of these companies offer black cab or hackney carriage policies.  You will have to determine how much coverage you are looking for.  If you desire the minimum, the price may be cheaper depending on the other drivers, number of vehicles to be insured, and vehicles used.  The PCO has certain minimum requirements that your policy should cover.

 

One way to find a better policy and at a lower price may be to visit an insurance broker.  Brokers have a greater amount of knowledge about what the various insurance companies may charge for what you have decided you need.  A search for brokers can help you to get the best and most cost effective policy.  Instant and regular quotes are available on many websites.  The instant quote can provide you with a general cost but you should consider speaking with someone in the office as he or she can fine-tune your policy needs and perhaps provide you with an even lower cost.  Many of the policies will include free services that you will not have to pay for.  Check out the hackney carriage insurance policies that most companies offer; you will find them remarkably close to the same policies for black cabs.

 ]]>Sun, 13 Jun 2010 08:02:13 -0800http://taxiinsurance.weebly.com/1/post/2010/06/getting-taxi-insurance-in-northern-ireland.htmlGetting taxi insurance Northern Ireland is really not much different than getting insurance any where else.  You still have to go through the same process.  You have to find an insurance company.  Searching on the Internet will save you a lot of time.  It will also let you cover more companies.  The process is much faster than you would achieve if you had to locate the companies physically.  You can also get a quote on the coverage you need right over the Internet.

 

Many factors will determine what the price you may pay for the coverage you may need or want.  Those items can include the type of car you have and its value.  The type of coverage will obviously play a part on this as will keeping a clean license.  Having a poor driving record, drinking and driving marks, or other types of tickets can cause your rates to be much higher.  Safe drivers with no marks against them can find cheaper rates for taxi insurance in Northern Ireland.  Another thing you might do is to keep your coverage to the basic level and limit to third party coverage of theft and fire. This one is a hard one to have, but if you do then it will help you in your effort to hold your insurance cost down.  Keep your mileage low by limiting your taxi driving purposes.  If the insurance place has a low cost coverage, it will help to pay for it in full.  The last two items are these.  Do not make modifications to your taxi like adding a more powerful engine because modifications run the cost up.  You may want to try to get insurance on yourself if you have been on someone else’s insurance.  However, keep in mind most times a first time driver will usually pay higher prices.  Still, it just might be your coverage on yourself could be cheaper.  This is especially true if you have been on with someone with a driving record problem.

 

One thing is for sure.  You need coverage for taxi insurance Northern Ireland.  Finding the best and least expensive can be done with the Internet. 

 ]]>Sat, 05 Jun 2010 10:39:35 -0800http://taxiinsurance.weebly.com/1/post/2010/06/finding-the-right-black-cab-insurance-policy.htmlBlack Cabs are known around the world and in London; the Black Cab is the best provider of excellent service.  If you are looking for Black Cab insurance, you have many options.  Some company provide insurance for any type of taxi that might be used and other companies provide specialty insurance for vehicles such as those used by Black Cabs.  Many factors can influence how much a policy can cost for Black Cabs.  The age of the driver, years of experience, modifications done to the cab, location of the expected service, and the number of vehicles operated are just a few factors that may affect how much the coverage will cost.

 

How much coverage do you need?  The amount of coverage is another area that can have a strong impact on what your premiums may cost. Certain minimums must be maintained according to the law and the Public Carriage Office guidelines.  How much public liability do you need?  You can choose from £2m, £5m, £10m or higher is you wish.  Should the policy include third party property damage?  How much windscreen coverage do you need?  Will the policy cover legal expenses and loss of money?  Some companies provide some of these features at no additional charge while others may charge for each feature for your policy.

 

If you look online, you can find a number of specialty companies that deal with Black Cab insurance policies and they may be able to put together a cheaper insurance policy for you.  However, an insurance broker can sometimes get you a great deal through his or hers connections with various insurance companies.  A quick quote can help you to determine how much you will pay.  Most websites will provide you with an answer quick once you have filled out the online form.  If you do search for yourself, be sure to educate yourself to the fine print that many companies have.  The Black Cab is a well-known icon of London and you should ensure you have the best possible policy that you can afford.  Finding the right Black Cab insurance policy does not have to be difficult.

.]]>Sat, 22 May 2010 08:12:12 -0800http://taxiinsurance.weebly.com/1/post/2010/05/do-some-taxi-insurance-policies-offer-taxi-insurance-breakdown-cover1.htmlSat, 22 May 2010 08:12:08 -0800http://taxiinsurance.weebly.com/1/post/2010/05/do-some-taxi-insurance-policies-offer-taxi-insurance-breakdown-cover.htmlYou can get an insurance policy that includes taxi breakdown cover.  There are very few professions that rely on their vehicles as much as taxi drivers, who don’t get paid unless they get on the road.   Having a vehicle in the shop means no income.  That is why many drivers chose to add breakdown cover to their insurance policy. 

What would you do if you had six passengers outside of town and your taxi stalled?  That situation is something you would not have to worry about if you had breakdown cover.  There are taxi insurance policies that guarantee someone would pick up and drop off your passengers in the event of a breakdown.  It is just one less thing for you to have to worry about.

 

            Most major insurance companies offer tbreakdown cover.  The key is to find the policy that is right for you.  It will cost you an additional premium.  Some insurance companies base the cost of breakdown cover on the age of you vehicle.  The older it is, the more you will pay, but it will be well worth the price if you ever find yourself in need of a roadside assistance.   Chances are, it will cost you more to arrange your own recovery. 

 

            You are protected 24 hours a day, 365 days a year throughout the UK.  And getting the help you need is just a phone call away.   We will come out to you. 

 

            -Breakdown coverage options

 

            There are a lot of options when it comes to breakdown cover.  Some plans are more comprehensive and include services such as home start cover.  In the event your vehicle will not start, and is located at the address where it is registered, help will be sent out to get you going.  Other services include accident support, which assists you every step of the way during a breakdown or accident, from recovery through repair.

 

            While breakdown coverage is not required, it is recommended.  Your vehicle is your business.  Many drivers feel it is a good idea to keep it protected and to get it back on the road as soon as possible.  When an unexpected breakdown happens, with breakdown coverage you can rest assured it will be taken care of promptly.  

 ]]>Sun, 02 May 2010 04:11:42 -0800http://taxiinsurance.weebly.com/1/post/2010/05/direct-taxi-insurance-in-the-uk1.htmlSun, 02 May 2010 04:11:38 -0800http://taxiinsurance.weebly.com/1/post/2010/05/direct-taxi-insurance-in-the-uk.htmlDirect Taxi insurance in the UK may be what you need.  Are you a taxi driver in the UK?  If you are one, and you wish to continue driving a taxi, you need insurance.  If you are happy doing the kind of work you do you know sooner or later you have to purchase insurance.  Because the cost of insurance has risen so much you need to find a lower insurance price.  You are working right now and are meeting the legal requirement for your insurance coverage.  However, now is still the best time to commence searching for a lower insurance premium.  In this manner, you can afford to take your time and really scout affordable taxi insurance quotes.

It is easy to check on this necessity in your spare time or at the end of your workday.  In the comfort of your home, you can log on to the internet and look for direct taxi insurance coverage.   One web site you can visit for your needs is Taxi Direct Insurance Services.  These people provide insurance for all types of needs from taxis to minibuses.  They also provide insurance for taxi, wedding cars, on to driver training schools.  These folks also provide insurance outside of Greater London and Northern Ireland.  Whereas you have one taxi or a fleet, Taxi Direct Insurance Services will be able to custom tailor a quote of your needs at a competitive price. 

Check out the site soon and see the list of benefits you can get from insurance from them.  There too you can get Gap insurance, which will help you if your taxi is written off. Again, this is a good time to start shopping for your direct taxi insurance.  You can start with this site and if you get a good deal go from there.  If you think you could get a better deal somewhere else, check them too.  Getting these quotes are free, so take your time and get all the quotes you want and compare what you have been given.  Don’t forget in your search, check with your ]]>Sat, 17 Apr 2010 10:58:43 -0800http://taxiinsurance.weebly.com/1/post/2010/04/compare-taxi-insurance-online1.htmlSat, 17 Apr 2010 10:58:39 -0800http://taxiinsurance.weebly.com/1/post/2010/04/compare-taxi-insurance-online.htmlThe moment you enter the word ‘Taxi Insurance’ in any of those search engines available over the internet, a big list of Insurance site url’s is displayed on the screen, But are they all worth a click for obtaining a good deal? Maybe not. The tips enlisted below will hopefully enlighten you on the facts related to the policies thereby helping you compare taxi insurance online:

·         Always take a close look at the gains extended by the company for the prospective buyer while comparing taxi insurance policies online. Some of the companies can be encountered extending taxi insurance policies with comparatively lower price range tags but with limited benefits to be availed in times of a mishap.

·         Some of the discounts featured by companies may seem lucrative at the very first sight but may not be useful to the extent expected. For instance, the low mileage discount mentioned in any of the taxi insurance policies online may be of no use for a taxi that is meant to be driven for miles every day. Such discounts stated in the policies are additive only towards the count of the discounts attached to the policies.

·         As you compare taxi insurance online, remember to note the reputation of the insurance company rendering the discounted insurance policy to you like, will the insurance company actually be able to cover up the accidental cost claimed? Are they reliable enough to turn in when a mishap occurs? A satisfactory answer to all these questions has a high impact on the times of crisis.

·         Taxi drivers with a long-term clean driving record can avail the benefit of a low-cost taxi insurance policy as they compare taxi insurance online. The discounts offered up by the insurance companies of higher end can be considered by an experienced taxi driver, as the reputation of the driver will work towards the further deduction of premiums.  

A heed to all these helpful tips as you compare the various taxi insurance policies online can save you from a lot of confusion at the time of a fatal accident and unnecessary premium costs incurred.  

 

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