Commercial vehicle insurance in Bath
Bath's visitors and residents rely on its taxis and private-hire cars to move around a busy heritage city. Driving the public for hire is a trade with its own licensing and its own insurance needs.
Where the risks come from for Bath businesses
A taxi or private-hire vehicle works long hours, carries fare-paying passengers, and is licensed and regulated accordingly, and its cover must reflect the hire-and-reward use and the passenger liability that an ordinary car policy excludes. Driving for hire without the right cover is both uninsured and unlicensed.
A Bath example
A Bath private-hire driver is involved in an accident with a fare-paying passenger aboard, and a claim follows. Taxi and private-hire cover, on the correct hire-and-reward basis, meets the passenger and third-party liability and the damage to the vehicle, where a standard car policy would not respond at all.
What commercial vehicle insurance covers
Taxi and private-hire insurance covers the vehicle on the hire-and-reward basis its licensing requires, with the passenger and third-party liability that carrying fare-paying passengers demands. The class of use is what makes the cover valid.
Placing it in Bath with Apex
We place taxi and private-hire cover on the correct basis, so the licensing and the insurance match. Apex arranges cover through one named broker. Authorised by the FCA; established 2009.
Related
Get the right commercial cover, placed by a named broker
Tell us about your business and we’ll place it on the specialist market — or leave your number and a named broker calls you back, usually the same working day.