commercial private hire vehicle insurance

#Commercial private hire vehicle insurance drivers#
#Commercial private hire vehicle insurance driver#
#Commercial private hire vehicle insurance free#

#Commercial private hire vehicle insurance drivers#

This allows you to claim for your vehicle for fault accidents.īut the biggest difference is that Uber drivers also need public liability insurance alongside their vehicle insurance. While you can take out any level of cover, the most sensible and most popular is fully comprehensive. Like normal vehicle insurance, private hire and Uber insurance offer standard levels of cover: But it also differs in some important ways. In many ways, Uber and private hire insurance is very similar to normal vehicle insurance. How is Uber insurance different from normal vehicle insurance?

This is a big and important difference with private hire and Uber insurance.

#Commercial private hire vehicle insurance driver#

Whereas in a typical situation, an off-the-road driver can find transport to work some other way, you as a taxi driver lose work if you don’t have a vehicle. Private hire insurance generally also comes with greater protection for loss of earnings. It’s statistical fact that the more time you spend on the road, the more likely you are to have an accident. Even if you’re a good driver this automatically carries more risk for your insurers. What’s more, driving a private hire taxi or Uber means you’ll cover more miles each year. This can be incredibly expensive, as injury claims can end up costing thousands of pounds. In a private hire taxi, however, they can claim directly from you if you don’t have the right type of cover in place. If you have a crash in your private car and your passengers are injured, they can claim either off your policy or the other driver’s, depending on who is at fault. While a normal vehicle will carry the driver and their (voluntary) passengers, a private taxi carries fare-paying customers. The biggest difference with private hire taxi insurance is that it comes with an increased level of risk over normal driving. This is true for both private vehicles and public vehicles, such as taxis, Ubers, and private hire vehicles. It’s an old industry saying that insurance isn’t for you it’s for other drivers. What is a private hire vehicle insurance?Īll road vehicles need some type of insurance to cover either themselves or other drivers, or both. So why do Uber and private hire drivers need their own type of insurance, how is it different, and can it be used alongside standard vehicle insurance? Quote Radar has you covered for all the answers. However, it’s important that private hire vehicles have the correct type of insurance.

#Commercial private hire vehicle insurance free#

Call (866) 509-9444 for more information about GEICO's Commercial Auto Insurance or, if you're ready now, start your free commercial auto insurance rate quote online.Like all road vehicles, Uber’s and private hire vehicles need valid insurance to be considered legal. GEICO can help you determine the coverage you need based on how your vehicles are used in conducting your business and who will be driving your vehicles. Still not sure if you need a commercial auto insurance policy? No problem. Visit our helpful guide to get more information on commercial auto insurance policies. Many business uses and vehicle types may be excluded from personal policies, so be sure you have the right coverage.

Employees operate the vehicle or if ownership is in the name of a corporation or partnership.

Haul a considerable weight in tools or equipment or towing a trailer used to conduct your business in your vehicle.

Need higher limits of liability because of the nature of your work.

Transport goods or people for a fee in your vehicle.

You May Need a Commercial Auto Insurance Policy If You: