Taxi insurance brokers
David J Miller are an established taxi insurance brokers servicing taxi drivers throughout the UK.
We can offer great deals on private hire taxi insurance and public hire taxi insurance for taxi drivers if you:
- Over the age of 25
- Have at least 2 years experience
- Have confirmed no claims bonus for at least 1 year
- Are licensed by rural / suburban authorities
Taxi insurance quotations
We operate from our well known offices based in Oswaldtwistle, Accrington near Blackburn, Lancashire.
We are driven mainly by referrals from drivers and business owners who have been happy with the great service and competitive deals.
Looking for affordable taxi insurance?
As taxi insurance brokers we have access to a panel of insurers.
As well as the actual motor side of your insurance, we can also offer breakdown cover, public and employers liability cover, taxi base cover (including buildings and contents), excess protection and plated courtesy vehicles.
As independent taxi insurance brokers we are not tied to one insurer. Each quotation is given the same dedicated attention to obtain the most competitive premium to ensure that we can offer the most competitive quote we can.
What is taxi insurance?
Taxi insurance is compulsory for all drivers because it protects third party vehicles against non-fault accidents and offers your passengers protection in the event of injury following an accident.
The best deals are available for those careful taxi drivers who can show evidence of their diligence with a number of years no claims bonus and a clean driving license.
We specialise in policies for those drivers. If you have are over 25 and have a number of years no claims bonus we will be able to provide a cheap taxi insurance quote for you. Drivers can still achieve a competitive rate if they live in an area where insurers have a low claims ratio along with age, experience and taxi no claims bonus.
If you are looking for an alternative for your taxi insurance then you can’t go wrong with David J Miller as taxi insurance brokers. We are a reliable company who put our clients first offering not just great rates on taxi insurance but a service that is second to none. We can help with arranging the cover on your taxi and the administration involved in this.
Benefits of taxi insurance
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Rural / suburban licensing authorities
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Vehicles with 4-8 passenger seats
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Drivers aged 25+ with 2+ years experience
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Drivers with 0-2 claims in last 5 years
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Cars, MPVs and mini buses
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Risks of 1-5 vehicles
Why is taxi insurance so important?
Taxi insurance is the second most important requirement for any taxi driver, the first being having a valid drivers license.
Without taxi insurance, the driver cannot purchase road tax, they cannot license the vehicle as a taxi with their local council and most importantly they cannot drive the vehicle on a public road to work and earn a living. This makes insurance a key element to any taxi drivers’ business.
Without the correct insurance type, a taxi driver can be prosecuted by both the local council and the police for having no insurance and driving without the correct license. This could also lead to suspension of any operator license that the council have issued.
There are a number of types of insurance policy a driver can be covered under depending on their circumstances – drivers can be insured through a public hire, private hire or a fleet insurance policy and cover can be arranged to fit their own requirements and financial constraints. They can insure the vehicle on a monthly, quarterly, half year and annual policies. Each policy duration has its own merits and appropriate premium payable.
You can also choose the level of cover for the vehicle ranging from comprehensive, third party fire and theft or third party only cover. The level of cover chosen has an impact on the amount of premium payable.
A taxi base owner has the option of other policy types which are available to themselves such as fleet and liability cover. If a taxi operator runs more than one owned vehicle, a taxi fleet insurance or multi-vehicle policy would be suitable.
With a fleet policy, the base operator can add and delete vehicles as and when required. This also means creating and cancelling policies if circumstance change isn’t needed, which could incur more costs for the business. The operator can also control their cash flow as there will be one renewal date for all vehicles and one payment date for the installments and wouldn’t need to juggle finances to ensure payments are met multiple times each month.
With a fleet policy, the operator could also have an open driving restriction so they have the facility to move drivers from one car to another with the knowledge that the drivers involved are fully insured for the vehicle they are driving.
Other benefits can include
- Competitive cover for rural and urban areas.
- Up to £10m public liability option available.
- Protected no claims discount option.
- Standalone breakdown available.
Public liability insurance for taxi fleet operators
With a liability insurance extension, the base operator can cover themselves for injury to or accidental damage to customers at their business premises. This cover is called public liability and is not an expensive policy to add on but does provide the added benefit of cover for your liabilities as a business owner.
Employers liability insurance for taxi taxi fleet operators
If, as an operator you have employees, you have a legal duty to arrange for employers liability insurance. This is to cover each employee for injury whilst at work.