Private Hire Insurance Buying
Distinguishing the difference
between public hire and private hire services may be difficult to do in
the UK. Obtaining a Private Hire driving license may be even more
difficult to do. However, the most difficult of all to do is obtaining
Private Hire Insurance in the UK.
Distinguishing the difference between public and private hire taxi
services is difficult because the two are both forms of public
transport. Many people, especially foreigners, simply think of both
forms as being “taxis” or “cabs.” However, there’s a difference in the
way they are permitted to operate, and which vehicles may be used.
Obtaining a Private Hire Drivers License is difficult because there are
several requirements that must be met. A person has to prove they are
eligible to work in the UK. He or she must also pass an enhanced
criminal background check and a medical examination. The person must be
at least 21 years of age, have a full driver’s license, and have a clean
driving record. Moreover, the individual usually must pass a Driving
Standards Agency (DSA) Private Hire/Hackney Carriage Assessment Test and
a Drivers Awareness Test.
Why Private Hire Insurance
can be difficult to obtain
Obtaining Private Hire Insurance
may be difficult to do because there are
many special requirements that must be met. First, you must meet the
vehicle licensing requirements. Since the vehicles have to be fairly new
models, and can only be certain makes, the motor cover may be very
Another reason for the difficulty is that private hire insurance has to
be designed for a commercially used vehicle. Since it will be used for
public transportation, the insurance cover has to contain Public
Liability coverage as well as motor insurance coverage. Moreover, many
other factors have to be taken into consideration. For instance, the
ages and driving histories of the drivers listed on the cover.
Additionally, the higher security risk is a big issue for most insurers.
How to obtain Private Hire Insurance with less difficulty
Fortunately, there are ways to make obtaining Private Hire Insurance
less difficult to do. The best way is to utilise the internet to conduct
some research and do some comparison shopping. The steps to follow are:
1. Evaluate your risks and insurance requirements
2. Estimate what your budget will permit you to comfortably spend on
3. Go online and visit several insurance comparison sites, as well as
the web sites of reputable insurance companies specialising in Private
Hire Insurance. Accurately fill out the forms, and then submit them to
the sites. The insurers will then contact you with their offers. You
should visit at least five sites to obtain a wider selection of offers.
4. Compare the offers and cover to see which one offers the right
coverage at the most reasonable price. Remember that the lowest offer
price-wise may not be the best deal in the long run. Look out for hidden
fees and other restrictions that may be included in the policy’s fine
5. Be sure you ask the insurers about any possible discounts and what
criteria they’re basing your premiums on. Also ask what services are
standard and which are optional. Ask if you can include or exclude any
services you may or may not need.
6. After carefully comparing offers and policies, purchase the one that
best fits your requirements. Many insurers offer a discount for
purchasing cover online, so be sure to check if the company you decided
to use offers an online purchasing discount.
Although it may be difficult to obtain the proper Private Hire Driver
and Vehicle Licensing, it is best to comply completely with the regulations. Not
doing so may be heavily penalised and may void
your insurance cover. Moreover, although obtaining Private Hire
Insurance may be difficult to do, it is essential to your occupation.
However, if you follow the above steps, obtaining Private Hire
Insurance at a competitive price should not be that hard to do.
discuss your taxi insurance with a real live person?
Speak to Insurance Choice on 0844 55 77 926
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