| Taxi insurance in Northern Ireland is something | | | | whose property you damage); |
| that needs careful consideration if you're planning | | | | - accidents and injuries to your passengers; |
| to become a taxi driver or start your own taxi | | | | - claims for damages to parcels you may carry; |
| business. | | | | - employer's liability insurance cover if you run a |
| The law | | | | business that employs people; |
| The first thing to keep in mind is that the | | | | - business interruption cover - should you be |
| moment you use a vehicle for hire or reward, | | | | unable to earn because your taxi has been (e.g.) |
| you also need some form of special insurance. | | | | damaged etc; |
| In fact, if you change the use your own personal | | | | - material damage cover - to protect any office |
| vehicle to that of a taxi, any existing insurance | | | | equipment etc. Finding cover |
| you have may well be invalidated. | | | | It's a fact that historically there wasn't a great |
| This isn't just bureaucracy, it reflects the fact | | | | deal of choice for vehicle insurance in Northern |
| that you are now exposed to a new set of risks | | | | Ireland. Some might say it was a case of needing |
| and the insurance company needs to provide | | | | to take what was available rather than looking |
| appropriate insurance to protect you and those | | | | around. |
| around you. | | | | The position today is changing rapidly and more |
| There may also be specific legal requirements | | | | and more insurance providers from outside our |
| covering some aspect of taxi insurance in | | | | area are now offering their products here. |
| Northern Ireland. | | | | As choice is increasing, prices are becoming more |
| Protecting you | | | | competitive. |
| Your taxi insurance may need to take into | | | | There are now specialist internet sites that allow |
| account: | | | | you to access car and taxi insurance in Northern |
| - third-party liability for anyone you injure (or | | | | Ireland. Consulting such a site may save you time! |