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Why use Taxi Insurer's taxi insurance in Manchester?

 

Choosing taxi insurance arranged through the Taxi Insurer, means opting for specialist cover tailored specifically to meet the unique needs of taxi drivers in Manchester. Our policies are designed to provide comprehensive protection for both private hire vehicles and public hire taxis.

 

We understand the challenges taxi drivers face, such as driving more miles in higher risk areas and during unsociable hours, which is why our insurance covers damage, fire and theft, and offers roadside assistance and breakdown cover to keep you on the road.

 

Our policies offer protection for passengers and public liability, giving you peace of mind when you’re on the job. We also provide cover options that include protection for accessories like charging cables for electric vehicles and legal expenses cover.

 

By choosing Taxi Insurer, you gain access to a dedicated office team ready to assist you with claims, renewals, and any questions you may have, backed by years of experience dealing with the taxi insurance market in Manchester.

 

Cover your Manchester taxi today

 

We much prefer to speak to our customers so call us for a quote on 01926 454929, our phone lines are open Monday to Friday 9AM to 5:30PM. Alternatively you can request a callback on our form.

 

After obtaining your insurance quotes, you can discuss your cover needs and the different ways to pay—such as monthly or annual payments—with a member of our team to find the best option for you.

Frequently asked questions

Public Hire Insurance and Private Hire Insurance are more expensive than insuring the same vehicle for domestic use only. This is because they spend more time on the road in areas of higher risk and they are being used for business. In the event of an accident, an insurer will have to consider the taxi, the driver, any passengers and property, as well as any third-party vehicles involved.

Taxi insurance policies also often include additional protections tailored to the unique risks faced by taxi drivers. These can include coverage for passenger injuries, damage to taxi meters and radios, and legal fees arising from claims related to hire and reward activities.

Yes, you can apply for a quote on our callback form.

Taxi insurance in Manchester is made to suit various types of taxi operations and driver needs. The main categories include:

  • Private Hire Insurance: This type of insurance covers drivers who transport passengers who have pre-booked their journeys. It is important for drivers working with ride-hailing apps or private hire companies. The policy protects both the driver and passengers during these pre-arranged trips.

  • Public Hire Insurance: Also known as hackney carriage insurance, this cover is for taxis that can be hailed on the street or hired at taxi ranks without prior booking. Public hire insurance typically carries higher premiums due to the increased risks associated with spontaneous passenger pickup and frequent stops.

  • Taxi Fleet Insurance: For businesses operating multiple taxis, fleet insurance provides coverage for all vehicles under a single policy. This can simplify administration and often results in cost savings compared to insuring each vehicle separately.

  • Minicab Insurance: Specifically designed for minicabs, this insurance covers vehicles used for private hire services, often with smaller passenger capacities. It ensures compliance with local licensing requirements and protects drivers and passengers alike.

  • Chauffeur Insurance: This specialized insurance is for drivers who operate luxury or executive vehicles, offering higher levels of cover and catering to the specific needs of chauffeur services.

Within these types, there are also different levels of cover available:

  • Third Party Cover: The minimum legal requirement, covering damage to other people, vehicles, or property but not the insured taxi or driver.

  • Third Party, Fire and Theft: Includes third party cover plus protection against fire damage and theft of the taxi.

  • Comprehensive: The highest level of cover, protecting the taxi, driver, passengers, and third parties against a wide range of risks, including accidents, theft, fire, and vandalism.

The cost of taxi insurance in Manchester can vary widely depending on several factors:

  • The driver's age

  • Driving experience

  • The type and age of the taxi

  • Whether the vehicle is used for private hire or public hire

  • The level of coverage

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