Do I need taxi insurance for a part-time job?

Driving

5 min read

If you work as a taxi driver in some capacity, you’ll need to be protected under policies beyond regular car insurance. Whether you drive privately, for a taxi depot or are self-employed through a company such as Uber, your livelihood needs specific protection to cover both you and your passengers. 

Sorting out taxi insurance can be a complicated process. The role needs a specialist policy to meet the requirements of the many ways which one can be a taxi driver (Uber, a fleet of taxis, part-time or full-time). 

This blog will cover common questions surrounding taxi insurance so that you, your taxi and your customers can be covered by the right protection during your journeys.

How do I know what taxi insurance is right for me?

Not all taxis are the same, which means taxi insurance policies tend to differ. As mentioned above, if you drive any sort of vehicle to transport people commercially, taxi insurance is a requirement by law. But what type of insurance is right for your vehicle specifically? 

We want to cater to the specific needs of you, your vehicle and your profession, so at AbbeyAutoline, we provide a range of different taxi insurance options. 

We offer special rates for first-time Public Service Vehicle (PSV) drivers who have no previous driving experience. If you run a taxi business with three or more vehicles, you may be suited to mini fleet taxi insurance, which includes the convenience of the one insurance policy for your entire fleet. 

It’s also likely that you’ll need specific insurance if you drive larger vehicles such as a minibus, in which case we offer competitive rates. 

Do I need taxi insurance if I drive for a company like Uber?

Uber doesn’t recognise itself as a private taxi service. Instead, it acts as a ride-hailing network that connects people who need a lift to nearby drivers. However, the law still views Uber drivers as taxi drivers. This means that taxi insurance is a legal requirement for Uber drivers, even if you’re only working on a part-time basis. 

At AbbeyAutoline, you can choose your taxi insurance cover from these three choices:

• Fully comprehensive: This is our highest level of protection and most complete coverage. It covers you for damages to your own taxi and personal injury in an non-fault accident.
• Third party only: This level of protection only provides protection for third party injury or damage to their vehicles.
• Third party fire and theft: This cover compensates you for damage or injury you cause to other people, as well as the cost of your taxi if it’s stolen or damaged in a fire.

Do I need taxi insurance if I’m a delivery driver?

As delivery drivers don’t carry passengers, it isn’t necessary to be protected by taxi insurance. If you’re working as a delivery driver, you will be required to notify your personal car insurance provider or add another level to your insurance policy. The level which you need to add will depend on how frequently you deliver.

Many of our taxi policies also cover the carriage of goods for hire or rewards, such as deliveries, which is useful for drivers who are doing food deliveries as well as taxing.   

Regardless of how often you work as a taxi driver or the size of the vehicle that you drive, AbbeyAutoline is committed to finding the right deal that suits your needs. Get in touch with the experts today on 08000 66 55 44 or arrange a call back.