As a taxi driver, you must acquire a Taxi Insurance policy in order to utilize your vehicle for the purpose of transporting passengers for compensation. Are you looking for the right breakdown taxi cover insurance to go for as a taxi driver? this article is for you. However, this guide covers the comparison to compare both the cheap and the London taxi breakdown cover.
So just relax and read through the guide before you.
Taxi Breakdown Cover
Taxi Breakdown Cover is a specialized form of breakdown insurance intended specifically for taxis and private hire vehicles that transport passengers. Any cab driver is well aware that vehicle downtime is costly both in terms of time and money. Specialized taxi breakdown cover can assist in relocating you, your taxi, and your passengers.
Managing Your Taxi Fleet
Your drivers will accumulate a lot of miles and will frequently drive during rush hour traffic. A critical component of successfully managing your taxi fleet is having a rapid breakdown service on hand, so drivers can get back on the road as quickly as possible if they do experience a breakdown.
Increased driving time enables you to pick up more passengers and enhance your income. However, it raises the likelihood of your cab breaking down. You may count on our skilled Patrols and their cutting-edge diagnostic technology to make every effort to repair your car at the roadside if it breaks down.
Do I Need Taxi Breakdown Insurance?
Unlike car insurance, having a breakdown cover in place for your cab is not a legal obligation. However, the last thing you want is to break down with clients in the rear of your cab and not have a plan in place to get your car back on the road and operate as quickly as possible.
The following are some items to consider while determining the best taxi breakdown plan for you.
1. Assistance on the road: This is a 24-hour service in which a repair van is dispatched to the site of the disabled taxi. The mechanic will labor for up to an hour on the stranded cab. If no roadside repairs can be made, the vehicle will be transported to a garage or another location. This assistance is offered for all breakdowns occurring at least a quarter-mile from the policy’s registered address.
2. Home Assistance: This is identical to the roadside but is only valid at the policyholder’s registered address.
3. Relay or onward: refers to assistance in transporting passengers in a taxi to their destination. If only the driver is present, he can be escorted to his destination. This relay truck will travel only to one location.
4. Accident assistance: This section of the policy will cover the cost of towing the crippled vehicle to a repair garage.
5. European cover: This policy is valid throughout continental Europe and its outlying islands. As mentioned previously, the forms of coverage include roadside help, relay, and accident aid. If the cab cannot be repaired in a European garage, it will be towed back to the United Kingdom.
What Are the Various Levels of Taxi Breakdown Insurance?
The regular taxi breakdown protection is available exclusively in the United Kingdom and provides roadside assistance and towing to the closest repair garage within ten miles of the breakdown. A disabled car can be the result of a mechanical failure or a traffic collision.
National taxi breakdown cover is identical to normal breakdown cover, except that the car can be towed to the driver’s preferred location. A disabled car can be the result of a mechanical failure or a traffic collision.
Relay or forward taxi breakdown protection offers all of the benefits of national coverage and, if possible, includes transportation of passengers to their destination. If this is not possible, they will be provided with overnight accommodations. A disabled car can be the result of a mechanical failure or a traffic collision.
All of the aforementioned are included with European breakdown cover, however, it is only applicable for UK people traveling in Europe in a UK registered vehicle.
The taxi breakdown cover is designed to assist professional drivers in getting their cars back on the road following an unforeseen accident or breakdown.
Taxi Breakdown Cover Compare
Taxi breakdown cover is offered to both private hire and public taxi operators, ensuring that assistance is only a phone call or text away whether a problem on the road or at home arises. This form of protection may include assistance with a breakdown on the road or at home, towing the vehicle to a garage, and also assistance with transporting your passengers.
Taxi breakdown insurance protects taxi drivers and private hire drivers who offer a hire and reward service. This includes situations where the vehicle develops a mechanical problem while transporting passengers to their destination, ensuring that they arrive safely and the driver is compensated. Additionally, this coverage takes care of the disabled vehicle by repairing it or towing it to a repair facility so that the driver can return to work. The car may become immobilized as a result of a mechanical failure or a traffic accident. If the vehicle cannot be repaired at the roadside, a recovery truck service is offered to tow it to the nearest garage.
What Types of Vehicles Are Covered by Taxi Breakdown Insurance?
This form of cover is available for any private rental vehicle that is used to carry passengers and weighs less than 3.5 tonnes, as well as black cabs and minicabs.
Who Is Covered by Taxi Breakdown Insurance?
Cab breakdown cover is a vehicle-specific form of policy that enables anyone operating the taxi to request and get assistance.
Cheap Taxi Breakdown Cover
If your car breaks down without a breakdown cover, you may come to regret not purchasing coverage.
While you cannot undo the past, you will be relieved to learn that you can still receive assistance even if you do not have breakdown cover. Obtaining emergency aid, on the other hand, is likely to be more expensive for you than for someone who pre-purchased coverage.
What are your options if you do not have a breakdown cover and are unable to repair the car yourself?
Local Garage Recovery
If you become stranded without cover, you can look for a neighboring garage. They may be able to send someone to attempt to repair your automobile or tow it back to the garage for more repairs.
However, garages are likely to impose exorbitant call-out fees for emergency breakdowns, even before parts or repairs are included. Additionally, you would be responsible for arranging your own transportation and, if your car requires extensive repairs, you may be required to pay for overnight accommodation if you break down far from home.
Emergency Roadway RecoveryÂ
If you become disabled on a motorway or a major road, you can call for assistance by using one of the emergency telephones located along the side of the road. If necessary, you can then arrange for emergency recovery to a suitably safe location, which is often the recovery operator’s location; you cannot determine the location of your vehicle.
This is an expensive method of recuperation. Highways England may charge a minimum of £150 to recover a vehicle; however, this amount is likely to be more for larger vehicles or those with substantial damage. Additionally, while this recovery option will remove your automobile from the highway or A road; you will still be responsible for transporting your car to a shop or your home, as well as any repairs.
At the end of the day, the clue is in the name. This option is intended for emergency recovery when a broken-down vehicle is in a potentially dangerous condition; should be used only as a last resort if no other assistance is available.
Can I Purchase a Breakdown Cover and Immediately Use It?
Yes, there are several rapid breakdown policies available online that you can purchase and instantly begin using. However, these online policies are ineffective if you have already had a breakdown.
When you purchase a conventional breakdown policy, your coverage will typically begin after at least 24 hours. Whereas instant breakdown coverage would begin immediately. Certain carriers may initially provide limited coverage following your purchase. That is before the full coverage kicks in 24 hours or so later.
Ensure that you review the terms of your breakdown policy to see when your coverage begins.
Is It Possible to Get a Breakdown Cover After a Breakdown?
If you’ve previously broken it down, you cannot purchase a breakdown cover online. However, you can contact a breakdown provider to obtain quick emergency coverage in the event of a breakdown. They will then send someone to fix or tow your vehicle, at an additional expense.
Obtaining cover after a breakdown will cost more than purchasing breakdown cover in advance. You will be charged an emergency call-out fee of up to £100 or more. In addition to the cost of a policy (if applicable), as well as any components and repairs.
Now let us go over to the London taxi breakdown cover
London Taxi Breakdown Cover
Along with providing outstanding London Taxi insurance breakdown cover, here are some offers on a comprehensive breakdown and recovery service for taxis. They include minicabs, hire vehicles, disabled passenger vehicles, and courier vehicles throughout the United Kingdom and Europe.
The following characteristics are included in the London taxi breakdown cover insurance policy:
- Assistance on the road
- Roadside maintenance
- Coverage prior to travel
- At-home assistance
- Service to the final destination
- Coverage for any driver who has been granted permission to operate the vehicle
- Roadside assistance for up to one hour
- There are no call-out restrictions.
- Recovery to any location in the United Kingdom
Taxi Breakdown Cover FAQ
Is breakdown cover and roadside assistance the same?
This is a 24-hour service in which a repair van is dispatched to the site of the disabled taxi. The mechanic will labor for up to an hour on the stranded cab.
Do taxi drivers need special insurance?
Taxi breakdown insurance protects taxi drivers and private hire drivers who offer a hire and reward service. This includes situations where the vehicle develops a mechanical problem while transporting passengers to their destination, ensuring that they arrive safely and the driver is compensated.
