Customise your Private Hire insurance with Zego
Written by Benedict Harrison
Our guide to the optional extras that you can add onto your Zego Private Hire insurance policy.
Zego’s Private Hire insurance offers you the chance to customise your policy by selecting from a range of additional cover options. Once you’ve chosen your level of cover and the length of your policy, you can get even greater protection by selecting from a range of optional extras.
We believe that you should be able to access insurance that suits your needs and build a policy that covers what’s important to you. In this post, we’ll look at the different products you can add to your Private Hire insurance policy and what they cover you for.
Zego’s Breakdown Cover offers you combined Roadside, Recovery and Home cover.
- Roadside: we’ll cover you if your vehicle breaks down at the roadside
- Recovery: we’ll pay the cost of transporting you and your vehicle to the nearest repair garage
- Home: we’ll fix your vehicle within a short distance of your home (e.g. if you have a dead battery).
For just £40 per year or £8 per 30 days, you can add this protection to your existing Private Hire insurance policy.
No Claims Discount protection
No Claims Discount (NCD), sometimes called No Claims Bonus (NCB) rewards drivers who haven’t had any claims made against insurance policy for a certain length of time. If you can prove that you are entitled to this discount, you may be able to save money on the cost of your cover.
If you make a claim on your policy, you are likely to lose your NCD entitlement. However, with Zego, you can add No Claims Discount protection onto your policy.
You can protect yourself for up to 5 years NCD earned for up to 1 fault claim. If you would like to add NCD protection to your Private Hire insurance, the cost of your premium will increase by 7%.
Extra Public Liability insurance coverage
Public Liability insurance offers you protection in the event that a member of the public suffers an injury or property damage as a result of a non-motor incident. For example, if a passenger falls over as they are getting out of your vehicle, you would need to have Public Liability insurance in place to cover the costs if a claim is made.
Our policies already include £5m Public Liability coverage as standard, but we offer you the option to an extra £5m coverage, bringing your total to £10m for even greater protection. It costs £50 to increase your Public Liability coverage with Zego.
Replacement vehicle & Legal Expenses insurance
We will help all Zego Private Hire get a replacement car for free' if they’re involved in an accident that’s not their fault.
On top of this, we also offer you the option to add fault-claim licenced car replacement onto your policy. That means that you’ll be able to carry on working, even in the event of a claim where you are at fault.
It costs £40 per year or £7.50 per 30-days to add fault-claim licenced car replacement to your policy. However, it’s worth noting that this also includes Legal Expenses insurance, which protects you for the costs not covered by your motor policy, such as the cost of solicitors, who attempt uninsured loss recovery.
We’re always looking to increase the number of options we have available. So if there’s anything you’d like to see from us that we don’t currently offer, please let us know and we’ll see what we can do.
If you’re interested in adding any of these optional extras to your existing Private Hire insurance policy, give us a call on 020 7206 0221 and our friendly team will be happy to help.