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There are certain minimum conditions that you need to fulfill before you can get full access to taxi insurance. These conditions are meant to protect both the driver and the insurer. If you do not meet these conditions then they might offer you a new package but at a much higher rate than the other providers. You then have to make the calculations about the costs and benefits associated with the product that you are proposing to buy. It is very important that you follow these protocols in the way that you handle the various application steps. Failure to meet the requirements can end up invalidating your taxi insurance policy.
1. You must be a business owner or operative: The provision of taxi insurance is limited to people within the industry. It really is not cost effective to have it in an alternative setting. Make sure that you follow the application requirements carefully. The business purpose has to be specified on the schedule. They will need to confirm that you have a business premises and that you actively involved in the industry. These checks go across the industry so you really cannot avoid them by just changing the provider.
2. You need to be qualified to drive: The very minimum that you need is to have a driving license. The European Union might be able to accept licenses from member states but they need you to upgrade within a reasonable period of time. The driving requirement is absolutely essential and the provider can get into legal complexities if they are not putting in procedures to ascertain this fact. Of course the police can consider the entire policy to be invalid such that you are charged with driving without car insurance.
3. You should not be involved in criminal activities: There are stringent restrictions on people involved in criminal activities. You need to ensure that you go to a specialist provider if you have been convicted of criminal activities. There are many providers that will not offer taxi insurance if the CRB check comes back with relevant convictions. These rules apply even where the conviction is not spent. The provision of these services is attached to your good conduct because that is a risk factor as well.
4. You have to be licensed by the local authority: The local authority is ultimately responsible for deciding whether you can drive a mini cab. You need to get your driving license and other requirements in order before you meet the tests. There are some taxi insurance providers who will not consider the application unless you have approval from the local authority. In any case you should be doing this sort of work if you do not have the right clearance from the relevant authorities. It is imperative that your application folder has accurate information on your status or else the entire policy will become invalid in due course.
5. There must be documentation to back up all your claims: The taxi insurance company will not just take your work when it comes to making a claim. Some of these providers are rather lax in the first stages and then they will then raise the issue when you attempt to make a claim. The investigator will look for all sorts of facts that you might have deemed to be insignificant. If you are not sure about anything, it is better for you to consult with the relevant authorities instead of making wrong decisions. It is in your best interests to follow those protocols according to the specification so that you get full coverage. This is a legal matter as well as being a matter of commercial expediency.
