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Minicab insurance NI

When you insure your mini cab, it’s important to find a suitable policy at a competitive price. It can sometimes be frustrating looking for companies that insure minicabs in Northern Ireland. Fear not. Complete a quick form outlining info about your cab, yourself and your insurance needs, and we’ll get you quotes in minutes. We cover Northern Ireland as well as the rest of the UK. So choose Apricot Insurance for your minicab insurance quotes today.

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Minicab Insurance NI

The right minicab insurance NI will give you all the protection you, your minicab and your customers need. As a type of taxi insurance, minicab insurance NI can cost more, but by comparing our range of cheap quotes, you’ll find a policy that suits you.


What type of insurance does my minicab need?

Just like a car, your minicab insurance Northern Ireland must have third-party cover. You may choose third-party fire and theft or comprehensive cover for further protection.

Since you’re running a business involving members of the public, you’ll need to ensure your policy includes public liability insurance.

You’ll also want to ensure that your insurance offers your business protection, and employers’ liability if you employ drivers.


Do I need to opt for private hire taxi insurance?

Yes, minicabs are generally pre-booked by members of the public and you should have private hire insurance.


Why is my minicab insurance so expensive?

Insurance for the same car as a personal vehicle will cost less. You pay more for minicab insurance Northern Ireland for several reasons, including:

* Your higher mileage.

* The minicab is part of a business transporting members of the public, which increases your risk of personal injury claims.

* You are likely to drive mainly in urban settings, and this will increase your risk of being involved in an accident. If this isn’t the case and you drive in rural areas, then tell your insurer.


Does minicab insurance NI cover me for breakdowns?

No, breakdown cover is not always included as a standard feature. However, a breakdown can have a big effect on your business, so you might like to add this to your policy.


How can I bring down the cost of my quotes?

High-value and imported vehicles are more expensive to insure, and will increase the cost of your minicab insurance NI. To reduce costs, park your minicab in a secure location when it’s not in use and install security systems, dashcam and CCTV. Drive carefully, and maintain your no-claims bonus. Third-party cover is the cheapest of the three levels of basic vehicle cover. We also look at this topic on the taxi insurance UK page.


Will my minicab insurance NI cover personal use of my vehicle?

It’s not standard, and you’ll need to check your documents to see if personal use is part of your policy. If it’s not included, and you want to use the vehicle for personal reasons, you’ll need to add additional cover.


How many drivers will my minicab insurance Northern Ireland cover?

Generally only the driver who is named on the policy. If you employ lots of drivers, you’ll need to inform the insurer, and give details such as age and their no-claims history. More drivers will increase your insurance costs.

At Apricot Insurance, we work with the UK’s leading insurance companies to find you cheap minicab insurance NI. Get a cheap minicab insurance quote at Apricot today.