Why Is It Difficult To Acquire Private Hire Insurance?

Private hire insurance is a mandatory insurance if you own a private taxi service. If you have a fleet of vehicles, then you need to have insurance for every vehicle of your fleet. Further, all your drivers have to be licensed to drive private taxis. There are many rules and regulations involved in a private taxi insurance, which makes it difficult to acquire one. Nevertheless, by following certain guidelines, you can ensure that a private insurance can be yours easily. Every state in the country has different rules for private taxi service. Therefore, depending on the rules of the state, you need to follow all procedure for acquiring a policy. You should be careful while choosing service, its better to hire   private driver marrakech

What is the eligibility criterion for private hire insurance?

In order to ensure the safety of passengers, personal hire insurance is bound by many rules and regulations. The rules that monitor a private hire service are more than the rules that bind public hire service. In order to be eligible for private taxi insurance, you need to be aware of the rules that govern it and prepare your vehicles and drivers accordingly. An insurance companies checks whether your taxis and your drivers hold proper license before selling the policy.

Rules for private hire vehicles

The first rule is that any vehicle that serves as a private taxi should refrain from advertising their company in any manner on the body of the taxi. In other words, a personal hire taxi should resemble a private vehicle. The taxi should be suitable to run as a private taxi in size, type and design according to the regulations of the state. The mechanical condition of the vehicle should be approved by the government body. The vehicle should be safe and comfortable. Further, private taxis are restricted in their mileage and should not cross more than a specified number of miles a day. Overloading the vehicle is strictly prohibited. An insurance company checks all these factors along with the history of the vehicle before selling the policy.

Rules for the driver of private hire taxi

Despite the fact that a personal hire vehicle should not symbolize a taxi service in any way, the drivers need to display their license and wear their badge on their uniforms. Drivers of personal hire taxis are put through severe tests, which involve testing driving skills and a thorough background check on the driver. A log has to be maintained by the driver regarding customer details, ferrying details and mileage details. Failure to follow any of these rules can lead to penalization.


All these rules and regulations make acquiring a private hire insurance a lengthy process. In order to make the process quick, you should concentrate on maintaining the condition of the vehicle and ensuring that your drivers are well trained. Insurance companies give priority to high quality safe service since it minimizes the risk of accidents. By following safe driving and maintenance practices, you can convince the insurance company of your efficiency and simplify the process of acquiring private taxi cover.