How Does A Taxi Qualify For Private Hire Insurance

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Difference between private and public hire services

Taxi services are mainly of two varieties. They are private hire vehicles and public hire vehicles. Public hire vehicles are for use without having to make a booking prior to using the taxi. These taxis can be hailed anywhere are gotten into. AIRPORT TAXI MINNEAPOLIS Public hire taxis are the taxis, which you can find parked at taxi stands and outside railways or bus stations. There is no stipulation to the passengers that a public taxi can transport.

Private hire taxi service, on the other hand, caters only to those people who make a prior reservation for the taxi. Reservations can be made through phone or internet, according to the facility of the taxi service.

Private taxis cannot pick up passenger, who haven't made previous booking for the car. The major difference between the two services are while private hire taxis can only on bookings, public hire service can pick up passengers on reservations and from taxi stands. The private hire insurance is slightly different from public hire insurance in a few regards.

Driver specification for a personal hire taxi

A driver who wishes to drive a personal hire taxi needs to have a special license that allows him to run a private taxi. The license is issued by the state department after examining the driving skills of the driver and his previous history. He will have to pass certain tests before he is given the permission to drive a private hire taxi.

When you apply for personal hire insurance, the insurance company evaluates the license before deciding other factors. Moreover, a private taxi driver is supposed to wear the license badge with his photo identity on him all the time he is ferrying passengers.

The driver also is responsible for maintaining a log with details about the passengers like place and time of pickup and drops off, address and phone number.

Vehicle specifications for a personal hire taxi

The first and foremost rule for a private taxi is that it should not advertise the fact that it is a taxi. Public hire taxis, on the other hand, paint their taxis in yellow or black depending upon the rules of the state. Such symbolic advertising is prohibited for a private taxi. Insurance companies check on this fact before issuing private hire insurance.

Penalty for breaking rules

A personal hire taxi has to adhere to all the above mentioned rules in order to qualify for personal hire insurance. Breaking these rules can also result in further legal implications. A driver may be penalized if he fails to wear his badge and maintain the log.

Different private insurance covers

After you ensure that your taxi can qualify for personal hire insurance, you need to decide on the kind of insurance that you require. Liability insurance is compulsory by law. You can choose between a comprehensive private hire insurance, third party personal hire insurance and third party fire and theft private hire insurance. Depending upon his requirements, a taxi owner can decide upon the best kind of insurance cover.

For detailed information on private hire insurance policy please visit Quote Us, the specialists in hire and reward cover. With Quote Us, you can compare taxi insurance with leading UK private hire taxi brokers.