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Private Hire Insurance Is the Law
Private hire insurance does exactly what its name suggests; it provides cover for vehicles that offer a taxi service that is private hire. This essentially means that these cars have to pre-booked and the drivers are despatched to the jobs, they cannot pick up fares off the street or from taxi ranks like public hire vehicles can. A private hire car will have to collect their passengers from a pre designated address, be it a restaurant, private residence etc.
Private hire drivers are bound by a lot more regulations that the public hire, due the fact that they are strictly forbidden from taking a far in their car that has not been booked in advance, and if they do take the risk of picking someone up off the street, they are liable to prosecution and can have their licences revoked.
If you are looking to run a private hire car, private hire insurance is mandatory by law and is one of the most important purchases. Due to the nature of the business, and the fact that members of the public are effectively putting themselves in your care for as long as they are in your car, you need to make sure that you have adequate cover on your private hire insurance policy to cover all eventualities.
Accidents on the road are the biggest danger to any kind of transportation company, and those carrying passenger, taxis and buses etc, need to make sure that they have the cover in their policy to not only provide the financial assistance to pay for any damage to their vehicle, but also liability cover should their passengers suffer any injuries.
As with all insurances, there are different add ons and such that you can get to boost cover in certain areas, these can be quite confusing to the uninitiated, so its best to get your private hire insurance through a long respected company who you know will get you exactly the cover you need at the best possible price.
That company is DNA Insurance, and one phone call to them will sort out your private hire insurance quickly and easily without you having to spend hours trawling the internet or pulling your hair out trying to understand the jargon and the different clauses etc. One DNA Insurance have created your individual profile, they then contact the appropriate companies and get you the best possible quote for the cover you require.
There is a big difference in price between private hire insurance and public, with the former being approximately half the price of the latter. This is due to the fact that private hire vehicles spend a lot less time on the roads than public hire cars, this reduces the risks and thus a private hire fare costs less that a black cab.
A big advantage of private hire insurance is, for the price you pay, the cover you get for any damages sustained by not only yourself and your vehicle but also your passengers, pedestrians and the drivers of any vehicles involved in an incident. Make sure you have the ideal cover for you by letting DNA Insurance do the work for you.
Author Resource:-
Neil Anderson is a UK based finance specialist who provides advice and information about a wide range of products including Private Hire Insurance Find out more by visiting his preferred website DNA Insurance.
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