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Black Cab Insurance

Black cabs are as much a part of London as Big Ben and The Tube, and are world renowned for their design, the quality of service and of course the drivers who offer so much more than simply a lift from A to B.

Training to be a black cab driver takes years, and you have to pass a rigorous test before you are rewarded with the coveted Hackney Carriage Driver’s License.

Whether you are a working London cabbie, or own one of these delightful vehicles purely for personal use, we can find a policy catered to your own unique needs.

Black Cab Drivers

We understand just how stressful a job this can be; dealing with aggressive drivers, unwitting pedestrians and difficult customers day in day out. That is why we have gone to great lengths to ensure our partners can provide you with specialist black cab insurance and exactly the cover you want, with a payment plan that suits you and a 24/7 expert customer care service. If you do have an accident, we know you want to get back on the road and earning as quickly as possible, which is why you should seek out a policy which provides replacement vehicles and covers any rental costs you incur.

Due to the nature of the job and the fact you can pick people up from the roadside, coupled with the unusualness of the vehicle itself, and the higher than average mileage a black cab does, insurers often try to massively inflate the price of premiums. One way to help keep prices down is by customizing your policy so that you are only paying for the cover you need.

There are flexible payment systems available, either monthly, quarterly or annually depending on what works best for you.

Key Policy Features

  • Loss of Earnings – This is a crucial part of your policy. If something goes wrong with your black cab, it could leave you unable to work and therefore unable to earn.
  • Legal Fees – London is an unpredictable city full of busy pedestrians, careless motorcycle riders and aggressive cyclists to name but a few; even the most experienced driver cannot prepare for the unexpected. Add this to the fact that you are working in a public place, should you have an accident it will be you who is held liable which in turn can mean a trip to court. Legal fees can easily run up into the thousands, so this is another important part of your policy.
  • In Vehicle Cameras – Installing cameras in your cab will lower the price of your premium whilst also acting as an impartial observer. For example, if you do get in an accident or you have a particularly difficult customer, having video footage of the event will be beneficial to both parties involved as it provides clear evidence of exactly who was at fault etc.
  • Windscreen and Glass Cover – Glass is always one of the costliest things to replace, and a damaged windscreen means you can’t work and therefore are not earning.
  • Instant Documentation Available – We want you to be able to work as quickly as possible, so rather than making you wait for your policy certificate once it has been approved you can print it out instantly, avoiding any unnecessary delays.
  • Car Hire Cover & Vehicle Replacement – Accidents can often result in a trip to the garage, which means waiting to get your cab fixed and being unable to work in the meantime. This feature means you will be provided with either a replacement cab, or if you hire a car the cost of that will also be covered.
  • Cover for Public and Private Hire Cabs – Whether you are a self-employed cabbie or working for a private hire firm, we can find cover to suit you
  • Public Liability Insurance – If a member of the public suffers personal injury or if property is damaged due to your business, it will cover the costs of any legal expenses or compensations claims made against you.
  • Flexible Payments – insuring your black cab can be expensive, which is why we offer monthly, quarterly or annual payments, depending on which one best suits your needs.
  • Fast and Simple Claims Process – Often, claiming on your policy is more complicated than setting it up in the first place. Companies will put as many hurdles in your path as they can to prolong the paying out process. Our partners have a straightforward and reliable claims process, and will endeavour to process your claim as quickly as possible.
  • Protected No Claims Bonus – In case of an accident which is not your fault, your no claims bonus will not be affected.
  • 24 / 7 Customer Service – Black cab drivers often work unusual hours, and as we all know accidents can happen at any time. This is why we have a dedicated team of experts on hand 24 / 7
  • Breakdown Assistance

Personal Use

Lots of people choose black cabs as their own personal vehicle, due to their size, reliability and unique look; Stephen Fry is perhaps the most famous example of a recreational black cab owner.

We know what you require from your insurance policy will be different to a working London black cab driver. A London cabbie is using his black cab to make a living, and cannot afford to be off the road any longer than is absolutely necessary.

Some of the features mentioned above, such as loss of earnings for example, will not be relevant to you if you are using your cab purely for personal use. However, many of them will be so check carefully to make sure you are not paying for cover that you do not actually need.

So if you want to get a quote from a range of expert providers, then make sure you fill out an online quote form today!