The length of time you or your drivers have been driving taxis affect the policy. If you or one of your drivers is a first time taxi driver, this may mean your premiums will be higher. If, however, you or one of your drivers have been driving for a long time, then the premiums may be less as youre deemed a responsible and experienced driver. Similarly, if you or one of your drivers have driving convictions this will affect your policy. Being honest here is important, even if you think it will negatively impact your policy as mentioned above, if youre found to be dishonest and you try to make a claim, you may be denied. And youll be out of pocket not only your premium payments but also the cost of repairing your vehicle, other vehicles involved and any other damages to property or injuries to people.

By supplying the correct information, the insurance broker or agency you decide to go through can calculate the appropriate risks involved, and offer you a policy accordingly. If you lie about the upkeep of your vehicles, and then youre involved in an accident deemed to be your fault due to poor maintenance youll be denied the claim. If, however, youre honest about how often you get your vehicles serviced then when purchasing a policy this will be taken into account and your premiums and the payout you will receive in the event of a claim will be determined. Sure, you may pay more up front by way of premiums, but your claim wont be turned down in the unfortunate chance of an accident occurring.

If you are comparing quotes in order to obtain the best possible price for the best possible insurance policy, then you also need to be consistent in your information given to the agency or broker. You cannot possibly obtain accurate quote comparisons if you give different information to different agencies or brokers. Only by keeping your information consistent can you get an honest comparison so you can properly choose the right policy.

Something else to bear in mind is that taxi insurance premiums may be different to ordinary private car premiums this is because taxis are on the road more often and subjected to an increased risk of something happening. Statistically this is unavoidable. So it is best not to put on your policy that the car will be for private use in the hopes of obtaining a lesser premium again, your claim will be denied in the event of making one.

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The length of time you or your drivers have been driving taxis affect the policy. If you or one of your drivers is a first time taxi driver, this may mean your premiums will be higher. If, however, you or one of your drivers have been driving for a long time, then the premiums may be less as you’re deemed a responsible and experienced driver. Similarly, if you or one of your drivers have driving convictions this will affect your policy. Being honest here is important, even if you think it will negatively impact your policy – as mentioned above, if you’re found to be dishonest and you try to make a claim, you may be denied. And you’ll be out of pocket not only your premium payments but also the cost of repairing your vehicle, other vehicles involved and any other damages to property or injuries to people.

By supplying the correct information, the insurance broker or agency you decide to go through can calculate the appropriate risks involved, and offer you a policy accordingly. If you lie about the upkeep of your vehicles, and then you’re involved in an accident deemed to be your fault due to poor maintenance – you’ll be denied the claim. If, however, you’re honest about how often you get your vehicles serviced then when purchasing a policy this will be taken into account and your premiums – and the payout you will receive in the event of a claim – will be determined. Sure, you may pay more up front by way of premiums, but your claim won’t be turned down in the unfortunate chance of an accident occurring.

If you are comparing quotes in order to obtain the best possible price for the best possible insurance policy, then you also need to be consistent in your information given to the agency or broker. You cannot possibly obtain accurate quote comparisons if you give different information to different agencies or brokers. Only by keeping your information consistent can you get an honest comparison so you can properly choose the right policy.

Something else to bear in mind is that taxi insurance premiums may be different to ordinary private car premiums – this is because taxis are on the road more often and subjected to an increased risk of something happening. Statistically this is unavoidable. So it is best not to put on your policy that the car will be for private use in the hopes of obtaining a lesser premium – again, your claim will be denied in the event of making one.

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As a minibus driver the first consideration after an accident is to make the scene as safe as possible.

1. Switch your minibus hazard lights on. Use a warning triangle if available. Take great care when placing the triangle at least 50 metres away from the vehicle. Warning triangles should never be used on the motorway.

2. Assess your passengers. If any are injured do not move them unless there is an immediate risk from other vehicles or fire. If the minibus must be vacated move the passengers to a safe location as far from the vehicle as possible. Be aware of approaching traffic when exiting the minibus.

3. If needed call the emergency services immediately. Provide them with as much information as possible about the accident scene and any injured passengers. As the minibus driver you will be required to stay at the scene until they arrive.

4. Any injuries should be reported to the Police. Try to keep details of all vehicles and people involved in the accident.

5. If the accident is minor or does not involve other people, check there are no injuries to your passengers and your minibus is roadworthy before continuing with your journey.

When an accident is serious enough that an insurance claim may follow do not admit liability at the scene. As rude as it may seem, do not apologise. This can be interpreted as admitting liability. And do not offer any payment.

The law requires you to give any person who is affected by the accident your details. These should include your name, contact number and the name of you insurance provider. A specialist minibus insurance provider such as The Minibus Club will be able to advise you about this.

It is very important to record all details of an accident. Information should include:

1. Vehicles involved

Record the types of vehicles and their registration number. Obtain the details of the other people involved in the accident including their name, address, contact number, insurance details and policy number.

2. Accident scene

Include details about the weather, visibility and road condition. Estimate the speed of the vehicles prior to the accident. Record the location of the accident, the date and the time. If the police attend the scene then ask for an incident number.

3. Details of Witness

Ask for the name and contact details of any people who witnessed the accident.

The best advice if involved in an accident is to stay calm. Losing your temper, however angry you may feel, will not help an already difficult situation. As a minibus driver your first responsibility is to your passengers and their safety. By taking a controlled approach to the situation will prevent putting others at further risk. The details gathered at the scene of the accident will be valuable information for resolving any legal or minibus insurance issues that may follow.

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