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It may come as no surprise to the majority of people to find that car insurance is very different from taxi insurance, despite the fact that the vehicle type is the same.
Although cars carry passengers, private cars do not carry complete strangers to and from specific locations in order to make a profit. In this world where safety seems to be a priority, it is essential for taxis to obtain licenses to say that they can carry passengers. Similarly, they also need to get taxi insurance to cover all eventualities.
Taxi insurance is completely different in nature to car insurance because of the elements that it involves. For example, it covers a higher amount of liability insurance so that injuries to passengers are covered and the payouts against all claims can be successfully made. This also includes public liability insurance so that public property is covered. Roadside recovery is usually also included in the terms and conditions as standard. However, the one main difference concerning the difference between car and taxi insurance is that a courtesy car is usually available to all individuals
Taxi insurance does cover all types of taxis though, including private, public, hackney and contract hire cars. The latter also includes those vehicles that take individuals to and from certain evens such as weddings and funerals. Most of the taxi insurance companies will insure fleets of cars as well as single or multiple cars so there is a policy out there for you if you are starting in business too. You can often choose to pay the insurance in instalments too to make the cost a little easier to manage. In other words, you can often tailor the policy to you so that you find the cover you need along with extras and prices that you want!
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