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Why use Taxi Insurer's Middlesborough taxi insurance?

 

Choosing taxi insurance arranged through the Taxi Insurer, means opting for specialist cover tailored specifically to meet the unique needs of taxi drivers in Middlesborough. 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 optional addons such as roadside assistance and breakdown cover to keep you on the road. If you’re wondering whether taxi insurance covers food delivery, it’s important to review your policy and make sure you have the right protection.

 

Protection for passengers and public liability, is something that can be included which may give 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 Middlesborough.

 

Get a Middlesborough taxi insurance quote

 

You can 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 taxi 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

Taxi insurance is meticulously crafted to address the unique requirements and risks associated with operating a taxi service. Both public hire and private hire vehicles must be properly licensed and insured according to the requirements of the local licensing authority.

Unlike conventional car insurance, which primarily covers personal use, taxi insurance encompasses both public hire (such as black cabs) and private hire vehicles (like minicabs). This distinction ensures that drivers are adequately protected while transporting passengers for a fee.

In Middlesborough, taxi insurance policies offer a variety of coverage options to suit the unique needs and budgets of taxi owners. These typically include:

  • Third Party Only: Provides coverage for injury to others and damage to their property but does not cover any damage to your taxi.

  • Third Party, Fire and Theft: Offers third party protection along with coverage if your taxi is stolen or damaged by fire.

  • Comprehensive: The most extensive coverage, protecting your taxi against damage from accidents, theft, and fire, and often includes the option for additional add-ons such as breakdown cover and legal fees protection.

In Middlesborough, taxi insurance is broadly categorised into two main types based on the nature of the taxi service: private hire insurance and public hire insurance. Each type caters to different operational needs and licensing requirements, ensuring that drivers have the appropriate protection for their specific service.

Private hire insurance covers vehicles that are pre-booked through a private hire operator or app-based service. These vehicles cannot pick up passengers without a prior booking and are often used for minicabs or chauffeur services.

Public hire insurance, on the other hand, is designed for taxis that can be hailed on the street or hired at taxi ranks. This insurance type covers the higher risks associated with spontaneous passenger pickups and typically includes protection for both the driver and passengers.

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