Cheap Taxi insurance Manchester

 We are experts in taxi insurance both for public hire insurance and private hire insurance. We also provide cover for a wide range of vehicles, for black cabs, taxis and much more. Our services will offer you the opportunity to get quotes from a wide range of companies. We understand the demand of the taxi driving community and realize that when it is the matter of a claim, taxi drivers cannot afford for their vehicles to be off the road if it is not necessary.

So rather than searching for multiple quotes from different sites, you just have to contact us, and we will try to get a panel of experts on the case, that will sort out a wide range of competitive quotes.

We will try to find you a cover irrespective of public hire or private hire vehicle.

Private hire vehicles are generally reserved for an appointment via a fixed office normally licensed with local government, drivers will then contact the booker.

Public hire taxis can be honored on the roads or picked up at a station at any time. It can include taxis, cabs, or other vehicles. Once you know the type of vehicle, you can consider the kind of insurance you need. 

Most of the taxi drivers will select comprehensive cover for their vehicles as they are important to you because it is the main source of your income.

Factors that define your premiums

The basic factor is the location in which you drive. Like a motor insurance policy, the driver in large cities like London, Leeds, Manchester, or Glasgow will pay higher premiums because in these places the traffic is generally high, and the chances of accidents increases. Additionally, the premiums can be high because of the driver’s behavior such as drinking.

Additional drivers

If you want to add an additional driver to your cover, you should consider the following:

If the driver is under 25, it will enhance your cheap taxi insurance premium, it will also increase if the driver has a history of claims or a poor driving record. If your driver falls in the above two categories, you should drop them, but on the other hand, if your additional drivers have better records than your own drivers, you will find their addition as a benefit to your company.

However, you should be clear while insuring your vehicle.

Reasons taxi insurance is more expensive than standard vehicle insurance

Basically, prices of taxi insurance policies are based on the level of risks, if you are a taxi driver, you will be on the road most of the time and hence, the chances of an accident will also enhance and if your driver is driving on more congested areas and working in more busy hours, then your insurance premium will also high.

How to get cheap taxi insurance and save money

Taxi insurance comparison:

Our insurance company will try to make things simple and will give you access to the leading panel of taxi insurance experts.

Do not auto-renew:

You should compare your taxi insurance quotes every year to ensure that are saving enough for your cover when you renew your current policy.

Lower insurance group:

 You always pick that insurance group to which your taxi belongs, which can have a major impact on your insurance costs.

Avoid convictions:

All kinds of convictions can increase your insurance cost.

No claims discount

If you build up a no-claim business, it can significantly decrease the cost of your insurance premiums.

Kinds of taxi insurance policy

There are a few types of taxi insurance policies that we will discuss here:

Policy-only:

It is the cheapest level of cover if the cost is increased for each name that you add to the policy.

Third-party only: 

It is probably the most basic type of coverage that will give protection to those who get injured or their property gets damaged in an accident. Third-party only will cover any costs for inducing damage to other vehicles or property. You will also get legal liability if you cause death or injury to other people.

Third-party fire & theft:

This is pretty much the same to the third party only but the only difference is that you will also get coverage for third-party fire or in case of some attempt of theft.

Comprehensive: 

It will include all the above and will get coverage for damage to your vehicle. There is a cover for injury in case of any. You will also get cover for fire damage or in case of theft and if your vehicle gets damaged or its spare parts. You will also get coverage for the windscreen.