Only no claims bonus earned driving a taxi can be used on a taxi policy.

However, private car no claims bonus can sometimes give you introductory discounts. Call us on 01224 848112 to discuss with one of our advisors.

If you have at least 4 years no claims bonus, you may be able to pay an extra amount to protect your entitlement in the event of claim following a fault or non recoverable claim. This means that within a certain period (2 years with most insurers) you can make a specified number of claims (2 with most insurers) without your no claims bonus being affected. Insurers may still apply a premium load for claims experience but your no claims discount will remain intact.

Your spouse can be added to the policy, allowing them to use the vehicle for social, domestic and pleasure use. Please ask when calling.

It is usually possible to add an additional taxi driver to your policy, subject to the driver details and them having a valid taxi licence. Please contact us on 01224 848112 to discuss your requirements. You will be required to complete a form, send a copy of the driver's licence and taxi licence and pay any amount due before the driver is added.

Yes, we are pleased to offer cover for new taxi drivers.

An excess is the amount a policyholder is liable to pay towards any claim. You will be required to pay this amount to the garage when repairs have been completed. The repairer will not release your vehicle until any excess applying has been paid. In the event of a total loss, the excess will be deducted from the settlement cheque you receive. The excess payable will be the combined total of the Compulsory and Voluntary Excesses applying on the policy.

Compulsory Excess
A compulsory excess is the excess applied by the insurer, it cannot be be removed from the policy. In addition to the standard compulsory excess, additional compulsory excesses may apply in certain circumstances, ie. if the vehicle is being ridden by a young rider or for specific vehicle types. Most comprehensive policies now carry a compulsory excess. In the event of a claim all compulsory excesses applying are added to any voluntary excess selected by the client.

Voluntary Excess
A voluntary excess is an additional amount the policyholder chooses to pay in the event of a claim in order to achieve a reduction in their premium. In the event of a claim the voluntary excess will be added to any compulsory excesses applying.

Fully Comprehensive (Comp)

This is the widest form of cover. It covers you for:-accidental damage to your vehicle, loss of or damage to your vehicle as a result of fire or theft and your legal liability for motor accidents caused by you, including injuries to other people and damage to property.

Third Party Fire & Theft (TPF&T)

This covers damage to, or loss of your vehicle as a result of fire or theft and cover for your legal liability for motor accidents caused by you, including injuries to other people and damage to property.

There is no cover for your vehicle in respect of accidental damage.

Third Party Only (TPO)

This is the minimum level of cover. It covers your legal liability for motor accidents caused by you, including injuries to other people and damage to property. It does not provide any cover for damage to, or loss of your vehicle.

Private Hire Insurance
Vehicles licensed as Private Hire can only take pre-booked appointments.

Public Hire Insurance
This vehicle is allowed to do an immediate pick up from the street - both at taxi ranks and getting flagged down in the street.

Public Liability - Provides cover up to the limit of £5,000,000 in respect of legal liability for compensation following accidental Personal Injury, Loss of or Damage to Property.

Greenlight Taxi - The insurer will pay up to £100,000 for legal costs and expenses incurred when making a claim for Personal Injury or recovering other Uninsured losses, including the cost of hiring a replacement vehicle following a Non Fault accident.

Greenlight Absolute - The insurer will pay up to £100,000 for legal costs and expenses incurred when making a claim for Personal Injury or recovering other Uninsured losses, including the cost of hiring a replacement vehicle following a Non Fault accident. In addition the insurer will provide a daily payment of £40.00 for a maximum of 7 days while your vehicle is being repaired following a Fault accident. In some cases the insurer may be able to provide a hire vehicle for a period of 14 days in place of the cash benefit.

In most cases you will need to arrange cover for your own contents and personal possessions. Please refer to your tenancy agreement to check what, if any cover is provided by your landlord.