Types of Taxi Insurance

If you work as a taxi driver then one of the most important things you need to do is make sure you’re covered by getting the right type of insurance. Below are the different types of taxi insurance you can get as well as the different factors that affect the cost of taxi insurance. Taxi insurance cover options Private hire – Private hire taxis are those that can only be booked in advance i.e. they cannot pick up passengers from the street and also cannot display a taxi sign. Private hire taxi insurance is usually cheaper. Public hire – Public hire taxis are able to display a taxi sign and drivers can pick customers up while they’re between fares. Road risks – Insurance for road risks is something that every taxi driver must have as a minimum. The lowest level of insurance you can get in order for your taxi to be road legal is third party only. This will protect other road users if you’re involved in a collision where you’re to blame. For more protection for your own vehicle then you should get a comprehensive policy. Legal issues – You can get cover for legal issues added to… Read More

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The Importance of Safety for Taxi Firms

If you run a taxi firm then you have to make security a priority in order to protect your business, reduce the chance of theft and lower the cost of your taxi insurance. Below are some of the steps to take in order to protect your business and make it more secure – Get a good insurance policy One of the most important steps you need to take in order to make your business more secure is getting a good taxi insurance policy. The type of policy you need will depend on how large your business is and what type of vehicles you need to insure. It’s usually best to get a fleet insurance policy so you can insurance all your vehicles together under one easy-to-manage policy. You can choose what level of cover you need but it’s always recommended that you get public liability insurance breakdown assistance included. Hire reliable drivers Hiring reliable drivers is another excellent way to make your business more secure. This is because reliable drivers will reduce the chance of you having to make a claim on your insurance. Generally the best type of drivers to hire are those who are over the age of…

How to Make Your Motorhome Secure

If you own a motorhome then you’ll want to take any steps you can in order to make it safe, both while at home and while you’re travelling in it. With this in mind, below are some of the best ways to keep your motorhome secure. Bring valuables with you When you’re using your motorhome for a camping trip, it can be easy to assume that your valuable possessions aren’t at risk of being stolen but this is not the case. You should never leave expensive items such as mobile phones or tablets on display in your motorhome since they can easily attract thieves. If you do have to keep valuables in your motorhome then make sure they’re at least out of sight. Get a good motorhome insurance policy Some common types of cover you can have included in a motorhome insurance policy include – Contents cover – Contents cover is always highly recommended when taking out a motorhome insurance policy. It will protect the contents of your motorhome for theft and damage. Certains items such as jewellery are not covered by all providers so be sure to find out when taking out your cover. Road risks – Road risks…

Protecting Your Motor Trade Business

When you run a business in the motor trade you must take steps to protect your business in order to decrease the chance of break-ins and other risks as well as keeping your insurance affordable. The risks you face will depend on the type of motor trade business you run. Below is some advice on getting the right type of motor trade insurance policy as well as some recommended security measures to take to make your business safer. Motor trade insurance Motor trade insurance is a special type of cover that’s designed for people who run businesses in the motor trade. A motor trade insurance policy enables you to protect all aspects of your business. Below are some common types of cover – Road risks – This type of policy will enable you and your staff to work on customer vehicles legally. This also includes transporting them. You can get third party cover; third party, fire and theft or fully comprehensive. Combined policy – A combined policy is extremely useful for those who work in the motor trade since it enables you to cover customer and company vehicles as well as your premises, including stock, tools and cash. Part-time policy…

Protecting Yourself And Your Vehicle as a Minibus Taxi Owner Driver

If you work as a taxi driver and drive a minibus then you’ll want to take the necessary steps to protect both yourself and your vehicle while you’re working. Driving a taxi can come with some unique risks so safety should always be a priority. Below are some great ways to make your vehicle more secure as well as some advice on getting the right type of cover. Recommended security measures In-car CCTV – As far as protecting yourself goes – installing in-car CCTV is one of the best measures you can take. Depending on the company you work for, they might insist that you have in-car CCTV installed so there’s evidence if an attack or other incident took place in your taxi. In-car CCTV acts as an excellent deterrent to people who might otherwise be unruly or even attack you, especially people under the influence of alcohol. Dash cam – There are many great dash cams available now and most are very affordable. Dash cams are great for proving who was at fault for an accident. They’re particularly useful for taxi drivers since being involved in an incident where someone was injured or killed could cost you your job…

Steps to Make Your Company Vehicles Safe

If you run a company that relies on the use of vehicles then you should take every step you can in order to make them safe. Below are some of the best ways to do this. Hire reliable drivers There are many measures you can take in order to keep your company vehicles safe but when they’re actually being used, the best way to prevent the risk of damage, theft, liability claims etc. is to hire reliable drivers. Reliable drivers that have a clean driving history and plenty of experience will be much less likely to be involved in incidents that could damage your vehicles and cost your business money. Reliable, experienced drivers is good not only for protecting your vehicles but it can also save you money by lowering your insurance costs. Get a good insurance policy Whatever type of vehicles you have, you’ll need to get a good insurance policy to cover them for risks such as theft, fire damage, vandalism and write offs. A fleet policy is usually the best idea since it’s easier to manage than separate policies and usually a lot cheaper too. If you have trucks that need to be insured and you’re looking…

How to Transport a Horse Safely

If you own a horse, or multiple horses, then being able to transport them safely is very important. Horses are large, heavy, expensive animals so safety is always a big concern when transporting them. Below are some tips for transporting a horse safely. Invest in the right equipment The two main options for transporting a horse are – A horse trailer – A horse trailer is exactly what it sounds like a provides a simple and effective way to transport a horse by attaching a trailer to your existing vehicle. A horsebox – A horsebox is a specially designed vehicle that’s used for transporting horses. Unlike a horse trailer, with a horsebox, the cabin and the trailer for the horse are combined into one vehicle. Horseboxes provide the best protection but they do cost more and will need to be insured with a special policy. Make sure your vehicle is powerful enough to pull a horse trailer If you use a horse trailer then you should be sure that your vehicle is powerful enough to tow it. Most cars should be up to the job but some electric cars might not have the required power so if you are an…

Private vs Public Hire Taxi Firms – Which is Safer to Run?

If you’ve ever considered running a taxi firm then there’s plenty that you need to know before making the plunge. One of the most important decisions to make is whether the firm will be public hire or private hire. Before looking at which is safer and easier to insure, let’s first cover the differences between the two types of taxi firms. Public hire Public hire taxis can display a ‘taxi’ sign on the outside of the cab. They can also pick up passengers from the street. Private hire Private hire taxis must be booked in advance from the head office (or increasingly -online). Private hire taxis cannot be hailed from the street. So which is safer? As you might have already guessed, private hire taxis are generally safer – both for operators and drivers. This is because the type of passengers you will get differs quite a lot. Private hire firms get a lot of corporate bookings for example, whereas public hire firms deal with a lot of drunk and unruly passengers. This is of course a simplification and there is in reality a lot of cross-over in the types of passengers that both firms get. However the risks with…

Security Tips for Taxi Firms

If you run a taxi firm then security should be of the utmost importance. Taxi firms face numerous risks, such as theft of cash, non-paying customers, break-ins and attacks on drivers. Good security is therefore vital. Below are some of the best ways to make your business more secure. Protecting your vehicles and drivers Some of the best things you can do to secure your vehicles are – Get the right cover- A fleet policy is usually the best option when you need to insure multiple vehicles. Taxi fleet insurance is extremely useful since you’re able to insure multiple vehicle types of varying values under one policy. Have alarms and in-car CCTV fitted – Having your vehicles fitted with alarms is a must. The vast majority, if not all modern vehicles with have security alarms so this is not an issue. In order to protect your drivers then in-car CCTV is a very effective way to do this. Hire experienced drivers – A very good way to put your business at less risk is by only hiring experienced and reliable drivers. This will help to cut down risks to your business and will make your insurance more affordable too. Securing…

Making Your Courier Firm Secure

If you run a courier firm then you will already be aware of the importance of security. Not only are you handling a great volume of customer items each and every day but you also need to think about your premises and your vehicles. Below are some of the best ways to make your courier firm more secure. Invest in CCTV When you’re looking to make your premises secure then it’s an excellent idea to invest in CCTV cameras. CCTV cameras act as a deterrent to potential thieves and vandals while ensuring that if your premises was targeted, you would have recorded evidence of what happened. CCTV cameras can be purchased quite affordably now and there are many CCTV packages that are designed especially for businesses. Make your premises hard to access Making your premises hard to access is one of the best ways to protect your business. There are a few ways you can accomplish this. Barbed wire is traditional and effective but not every business owner likes the appearance of barbed wire all round their premises. An alternative to this is to have spikes installed along the top of the walls surrounding your premises. This is still effective…

New Research Reveals London Boroughs Most Likely To Be Burgled

A new report by product and service directory company Approved Index, reveals which London boroughs face the highest risk of being burgled. By using Met Police crime mapping data, the ranked list shows that households in Barnet, in North London, have suffered 1,844 break-ins during a period covering the past 11 months. When this figure is divided by the total number of homes in the borough, Approved Index were able to compare this with the rest of London. Unsurprisingly, it was discovered that the adjacent boroughs of Haringey and Enfield were the second and third areas most at risk. North and West London took up much of the top ten, with Kensington & Chelsea, Camden, Islington, Hammersmith & Fulham and Westminster all appearing in the upper regions of the list. Since April 2016, there have been approximately 20,000 burglaries in total, at an average cost of £2883 to each household. Fixing or replacing damaged fixtures and fittings is typically the reason for this additional bill. Yet burglary rates do appear to be failing, according to the Met. This figure has dropped by 4.7% in the twelve months between 2016, when compared with the previous calendar year. This decrease is mostly…