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A Beginner’s Guide to Private Hire Taxi Insurance

Private hire insurance is a specialist type of cover that taxi drivers can take out to cover themselves and their vehicles. Those working in this profession will understand how important their car is to their work, making it essential that they have the relevant protection with a suitable policy. Drivers will be glad to know that private hire taxi insurance doesn’t have to be costly and a great deal can be found by using an online comparison site. By entering a few details which shouldn’t take more than 10-15 minutes, you can compare cover from a whole range of leading providers.

However, before you start looking, it’s helpful to know a little more about private hire cover in our beginner’s guide below.

Do I need private hire insurance?

Taxi drivers will cover a lot more miles each year when compared to a typical car driver who will mainly drive to work and back. Many in this industry will be working in congested areas and during unsociable hours. Due to this, drivers will need adequate private hire insurance as they carry a higher risk factor.

Those that are involved in pre-booked taxi services will not have sufficient cover with a standard car policy. This makes it of utmost importance to have the correct policy with the right protection. Below are some factors that will have an impact on your insurance:

Business type – Private hire taxi drivers should only be transporting passengers who have pre-booked a journey.

Business operation location – Your cover must make mention of where you are operating.

Vehicle type – Some taxis have more than the usual five seats. Your insurer must be aware of this.

Number of vehicles – Fleet cover may be recommended for those that have multiple taxis as part of their business. It could work out more cost-effective. With this in mind, you will need to ensure that if you opt for this cover that it has the necessary inclusions that a private hire insurance policy would.

Vehicle modifications– If your taxi has been modified in any way e.g. to allow wheelchair access. This must be declared to the provider as any equipment must be able to be repaired or replaced should an incident occur.

What does private hire taxi insurance cover?

You can expect a private hire taxi insurance policy to include motor cover along with passenger liability cover as standard. You and your passengers will be protected in the event of an unforeseen incident. Many insurance providers will also suggest a number of optional add-ons that can be included as part of your policy. These typically consist of the following:

Breakdown cover may well be the most valuable optional extra. It could provide separate onward travel to ensure your passengers reach their destination. With that being said, you don’t actually need to purchase breakdown cover through your private hire taxi policy, as it can be bought separately from a different company.

A courtesy car will be offered in many comprehensive policies. This is useful if your taxi breaks down or is involved in an accident and needs to be repaired or replaced. The reason this is so important to those working in the industry is because they will want to be back on the road as soon as possible to generate income.

A 24-hour claims assistance line is another helpful extra for private hire drivers. Why? Because many working in this sector will be operating during unsocial hours. If a driver is involved in an accident at 4am, they will want to find a resolution as soon as possible rather than wait.

If your car is being used for non-work purposes, personal use cover will be required. Many private hire drivers normally use their work vehicle for personal use as well, as it doesn’t make sense to purchase a second car for these tasks.

What exclusions should I know about?

Typically, most private hire taxi insurance policies will not cover the following:

• Drivers under the age of 25
• Unsafe or unauthorised vehicle use
• Operating outside the region you have declared on your insurance
• Theft of the vehicle if the keys were left inside

Do I need public liability cover as part of my insurance?

Taxi drivers that take children to school will be legally liable for the child until care has been transferred over to the school. They will be responsible for the child’s safety when he/she is in the vehicle, this even includes the short period of time when they exit the vehicle and walk towards the school’s gates. If any child is hit by another vehicle while crossing the road after leaving the taxi, you could be held liable for this accident.

Your private hire insurance should include public liability cover as standard. Any drivers working with local authorities will need adequate protection for their business before agreeing any new contractual obligations.

In summary, the above should give you a beginner’s understanding to private hire taxi insurance. Remember to always check the terms and conditions before purchasing cover, and make sure you are aware of any policy limitations and exclusions.

6 Unusual Jensen Interceptor Facts and Tips : Part 2

Interceptor Jensen was a car that was considered to be a dud when it comes out in the seventies. It has an old design and had a lot of buttons to function. Recently, people have been buying it as an artifact, and it is worth the money you spend on it. Good cars start around $40,000 and can easily stretch around $100,000. But there are few facts about this car that you will be surprised to learn.

Its arrival

During its arrival, Jensen Interceptor was a pretty expensive car but not as outrageously priced as today. It arrived in 1966, a 6.3-liter gas tank, 140 mph, and the car was priced at $3,700. This car was similar to Jaguar E-Type FHC but had a huge difference with its price tag.

After Mark III, the price difference was marked

In 1971, Mark III appeared, and there was a very visible price difference. The Interceptor has 72 liters from the latest Chrysler V8, although it was less powerful, it was good. It had 135mph top speed and had a similar build in 1974. The price of the car was $7,100, which was still low when compared to others like BMW 3.0CSi E9 and Aston Martin V8.

Its original production

The original production lasted for over ten years, and Jensen went bust in 1975 with the latest car being built earlier, following the stocks of parts. An attempt was made in 1989 to relaunch the car, and four years and 36 cars later, the compact was unsuccessful in doing so. The Interceptor was the car which was later revived in the year 2010 and is rebuilding cars rather than producing the new ones.

The series I car

Most Interceptors had a Chrysler Torque-Flite three-speed automatic, which has a few manual gearbox versions. The series II and III were automatic and had a special build when compared to the manual option. With this, you can easily convert the manual car into an expensive modern six-speed unit and Chrysler A-833 OD overdrive box.

The Original

The original Interceptor was built in Vignale in Italy. They are required to work on the remedial work on arrival at the Jensen factory, which the company later took to production fully. This was ironic as Jensen has lost its contract working with the original Volvo P1800 Coupe, which had its problems.

The King of Pin Type Front suspension

The Interceptor was originally used to change the CV8, which came with the new system has telescopic dampers, which allowed them to have revised Girling brakes, which can later be replaced with the original Dunlop and radial tires which can help you enjoy the standard power steering. These modifications were done and took place in 1969, which has an improved function, and s the MkII was launched.

6 Unusual Jensen Interceptor Facts and Tips : Part 1

Jensen Interceptor

Jensen Interceptor was a fresh piece of metal in the market the year it was launched, but as time passed, the demand waned. Since many such cars became unreliable and cost a bomb to maintain, the motor freaks switched to options they found to be more appealing. With terrible fuel efficiency, the Interceptor Chrysler V8 would only run 12 or 15 if you maintained its features properly.

The ’80s was a great time for the car because many such cars were being relaunched and brought back under the light. However, all of them fell off the cushion by the beginning of the ’90s. In the recent past, these cars were restored at a lesser cost, making them worth what was spent. Although many such drawbacks had the car pushed back into a less active zone, it had been making better vehicles than GM and Ford. Here are a few such interesting facts about Jensen Interceptor.

Classic & Sport

Facts About the Classic

    1. In 1966, when the Interceptor was launched, the car was pretty expensive. The 6.3 liters, 140 mph version was highly-priced, making it almost impossible for an average citizen to buy it. It was the Jaguar E-Type FHC with its 4.2 litre capacity that made it to the list of the most reliable car. Since it cost only half the price of the Interceptor, people preferred to buy it.
    2. The Chrysler V8 was offering a 7.2-liter version in 1971 when the Mark III was launched, but it had lesser power against a high torque. The price of the 135mph top speed Interceptor was the same in those years, but by 1974, it had dropped even below the prices of Aston Martin V8 and BMW 3.0CSi E9.
    3. Jensen went bust a few times in its short history of car manufacture, and many other companies consider it a blessing at times. From 1966 to 1976, they had their original production until they faced a hard time in 1975. However, they relaunched their car as Mark IV, which was initially a success. But after the production of 36 cars, by the end of 1993, they had been bust again. In 2010, the Interceptor revived its brand by rebuilding their cars instead of launching new ones.
    4. Jensen took over the complete production of their cars after a few years of their first launch. They had the Interceptors built by Vignale in Italy for the initial period of production, but since the cars were received with several remedial works, the company had to take up the entire process.

  1. The kingpin type front suspension was originally used in the Interceptor, but they later changed to the system of wishbones and telescopic dampers. With this change of features, they also replaced the Dunlop brakes with the Girling type, and a standard power steering and radial tyres were added to the new model.
  2. The 1967 Mkl registered 13SDV was one of the most famous Interceptors in history. It expired in 2017 after 27 years of dormancy in a garage in Leicestershire.

Jensen Interceptor and FF Buyer’s Guide

jensen-interceptor

Driving in style is a dream not all people have, but a faint visual of the Jensen Interceptor is sure to make anyone fall in love with the machine on four wheels. It has everything you look for in a classic car: the body molded by Vignale, automatic gearbox powered by American V8 with a smooth touch of vintage colors, assembly by English men, and the Italian styles. What people weren’t expecting during the launch of this car was the unveiling of a technologically advanced car. It has been named FF, deriving inspiration from the four-wheel-drive style of Ferguson Formula and the anti-lock brakes of Dunlop Maxaret. The later versions of these cars were accepted more because of the tweaks, making the original ones seem like outdated vehicles.

Although they had the limitations of the budget, all the features were installed without any compromises. Jensen moved to the construction process in Vignale, but Interceptors had established a position for itself. Multiple paint colors were available for the car, making it one of the most popular cars with the widest range of options. Specification variations and trim options were abundant with these cars, the sole reason for several celebrities to buy this monster. As time passed on, the sophistication of these cars made them under huge demand. If you are planning to buy any of these cars, here is a short guide on their prime features.

What to Pay Attention to

Oily engines and smoky exhausts can lead to rumbling during star-up; it could also be due to the worn V8. Copper gaskets can be used for the burnt valve in a leaking exhaust. Make sure no boiling or leak issues are currently affecting the ride.

Suspension of the car can be difficult to check for in heavily loaded cars, and Interceptor being one, you need to look into the maintenance part of it frequently. Sags can affect the rear springs, but make it a good ride by setting up the correct height with two fingers between wheel arch and tyre.

JensonInterceptor

The Chrysler Torqueflite gearbox rarely fails and is cheap to rebuild. The interiors are designed with class, and the seats are covered in long-lasting leather upholstery. Since these cars’ electronics are complex than the other cars of that time, you must pay close attention to any sputtering sounds or similar issues.

Classic and Sport

Interceptor has this great classic GT with practical, stylish, and user-friendly designs, and you can buy it if you are ready to live with the mpg. When purchasing one, you need to look into the maintenance required. If they don’t need major bodywork, it is an excellent choice. Make sure you check all the aforementioned features and body strength before signing the papers. Both classic and sport versions of the Interceptor and FF are classy cars, but choosing one can be hard for some people. Go for the one that suits your needs. You can expect a near-supercar performance, striking designs, and comfortable driving with these cars. The areas you need to pay extra attention to are fuel consumption and rusting issues.

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