grandad wrote:
Check with your insurers. Most policy's have £5,000,000 public liability cover. For school runs, our council insist on £10,000,000 public liability so we have an extra policy that covers this and employer liability because some of our drivers are on the books.
WRONG!! 'Most' policies do NOT include it as standard. Very few do - Aviva (through TFP Schemes do) but other Aviva policies on different schemes (Orbit, J&M) certainly do not. Sabre & KGM do not offer it. It is not compulsory, unless you're lucky enough to have a local authority contract.
£10 million was required by all the authorities until a few years ago when most dropped it to £5 million. There are still a few (Norwich & Kings Lynn spring to mind) that still insist on £10 million.
You can get £5 million cover for £73.90 per vehicle from UK Insurance Solutions, on 01353 775114.
£10 million is just over £100.
http://click2insure.co.uk/taxi-insurance.html