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London taxi insurance quote online

As we all know, taxi insurance is more expensive than standard car insurance, but there are some ways by which you can reduce the cost of taxi insurance.

If you are a taxi driver, you might believe you have enough issues to fight with already, ranging from continuous traffic troubles to mean passengers. But there is a fact that you have to pay more for taxi insurance than for a standard motor insurance policy.

The price difference might look a bit unfair, but there are some reasons for that:

There is a fact that taxi drivers drive more miles and are on the roads most of the time that will increase the chances of an accident and the price of insurance premiums will become higher.

You can also compare different policies to find the best policy that meets your requirements.

Why is taxi insurance expensive?

A private hire taxi is a little bit expensive than a standard cover because taxi drivers drive more miles than other motorists and they frequently do it in overcrowded conditions.

In addition to it, taxi drivers lead to making these routes in vehicles that are big enough to fit a greater number of travelers.

As a result, taxis are generally larger than a standard car which means that these types of vehicles often fall into a higher car insurance group.

The insurance category that a car falls into will have a big impact on your cost, if the category is higher, the insurance premium will also be higher. That is the reason taxi drivers can find they give a premium for their cover compared to standard motorists.

Kinds of taxi insurance policy

In private hire taxi insurance, mainly, there are three types of policy.

  • Policy only
  • Named driver
  • Any driver over a set age

Honestly speaking, a policy only is the cheapest of all and it is the most basic kind of cover. If you add more names to the policy, it will be more expensive.

Named driver is the middle kind of cover and it includes a taxi driver buying taxi insurance just for themselves.

Any driver is the most expensive cover of all policy which means that any motorist is covered to drive your taxi. If you add more names to the policy, the cost will increase.

How to get a cheap taxi insurance quote?

There are many factors by which you can London taxi insurance quote online and reduce your cost.

Select a car in a lower taxi insurance group

When you are choosing your vehicle, make sure that your vehicle falls into the lower insurance group. The price difference might not be fair, but there are some reasons to justify it:

There are 50 groups, the vehicles which are in the highest group will attract the most expensive insurance premiums. The vehicles are based on groups based on some factors like repairs, safety features, the cost of spare parts, and the value of the vehicle. The high-performance model tends to be in the highest group. But the vehicles in a lower group will cost you less to insure.

Drive carefully

As a taxi driver, you should follow the rules of the road, if you have any convictions, it will have a huge impact on your insurance premiums.

If you find yourself committing a minor criminal offense that has no bearing on your driving, some insurers will not offer you cover, there is a reason for that if you have any criminal convictions, you will be more likely to be involved in an accident.

You must stay within the law if you want to avoid these convictions.

Keep your record clean

If you want to reduce your taxi insurance premium, you must drive safely and with responsibility. You should build up a no-claim business.

Most insurers offer significant discounts to drivers who remain claim-free and if you stay claim-free for years, you might get a reduction of 20% to 30% and if you stay claim-free for five consecutive years, you will get a discount of up to 75%.

Insurance firms will also make cheaper premiums available to those drivers who have held their taxi badges for a long period of time.

If you are searching for the right taxi insurance policy for you that meets your demands, you should also consider buying a taxi breakdown cover that will provide you with high mileage.

It means you don’t have to worry about searching for repair services if your vehicle breakdown whether on the job or somewhere else.

You should also consider public liability insurance that will protect you and your business against any claims for injury or accident as a result of your negligence.

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