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Why would a taxi driver need personal accident insurance?

As a taxi driver, getting taxi insurance to cover the use of your vehicle for private hire or hackney pick-ups is a no-brainer. But why would you cover your vehicle and not yourself? True, it’s a mandatory requirement for you to have taxi insurance, just as all other vehicles need suitable insurance, but while your vehicle is protected and covered for the cost of any repairs, are you going unprotected?

While your vehicle can be easily repaired and replaced if needs be, at no cost to you if you’re properly insured, you can’t be replaced and any ‘repairs’ can take a very long time indeed should you suffer an injury. Though taxi driving might not be the most dangerous job in the world, there are plenty of risks involved on daily basis for any cabbie, including:

Road accidents
Assault
Accidental Injury outside of working hours
Obviously the extent of the accident and the degree of the resulting injuries will affect whether you’re able to resume working soon afterwards, but by taking our personal accident insurance you can cover yourself against any potential loss that you may suffer as a result. In addition to the trauma experienced during the accident itself, there are a number of considerations that you should take into account and which you can get covered for.

Medical treatment – In the aftermath of the accident you may require a substantial amount of specialist treatment that may not be available on the NHS. Personal accident insurance can provide you with the money that you need for this and help you to get your life back on track. In more serious accidents you might require continuing specialist care for many years or potentially for life, and insurance can also help towards this.

Loss of earnings – As a taxi driver you need to have full mobility, good vision and generally be in good health in order to carry out your job. If you’re unable to do so for a length of time, whether due to a broken arm, an eye injury or anything else, you could stand to lose a significant amount of money which could potentially make your life much more difficult during your convalescence. If on the other hand you add a personal accident insurance component to your taxi insurance policy, then you’ll be financially covered until such time as you’re fit to work again.

Death – Although it’s something that most of would prefer not to think about, accidental death is a risk for anyone. It’s important to think about what would happen to your loved ones and dependents if the worst were to happen, and personal accident insurance will help to ensure that they’re taken care of.

North County Estates have more than 20 years of experience in providing specialist insurance for taxi drivers and many other professions. Give us a call today to discuss your personal accident insurance needs with an experienced professional who has your best interests at heart.

(Information was taken from Park Insurance Uk Web)

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