Should you pay extra for Fully Comprehensive Private Hire insurance?

Written by Benedict Harrison

Published on

We take a look at how to weigh up the cost of your policy against your level of cover.

Image of a driver holding a steering wheel

When it comes to sorting out the insurance you need for private hire work, the level of cover you choose is an important part of your policy. It’s important to make sure you get a policy that covers everything you need at a price that works for you.

Your level of cover determines how much protection you get from your insurance. Like most insurers, you can choose from a range of options if you’re looking to take out a Private Hire insurance policy with Zego.

In this post, we’ll take a look at whether it’s worth paying more money to get a greater level of protection. We’ll also explore the range of options that Zego offers for private hire drivers like you.

Which levels of cover are available and what do they cover me for?

At Zego, we offer both Third Party Only and Fully Comprehensive Private Hire insurance policies, available on an annual, 30-day or 7-day basis. Third Party Only policies cover you for any damage you do to another person, their property or their vehicle in the event of an accident where you are found at fault. However, it’s important to keep in mind that both you and your vehicle are not covered by this type of policy.

Fully Comprehensive insurance policies offer you the greatest level of protection. Unlike Third Party Only cover, both you and your vehicle are also protected in the event of an incident where you are found at fault. You are also protected for the theft or your vehicle or for damage in the event of a fire.

How can you decide which policy is right for you?

The most important thing to keep in mind when deciding on your level of cover is what you feel is important to protect yourself against. The price difference between different levels of cover is still worth keeping in mind, but if a policy doesn’t cover you for what matters, your cheapest option won’t always suit you.

Different levels of cover are right for different people, which is why we offer a range of options, so you can get protection for what’s important to you. Of course, you should always make sure you buy a policy that you can afford, so the price of your cover it’s still worth thinking about.

How can I get a quote from Zego?

At Zego, we’ve designed a way to make it quick and easy to get a quote for your cover. Simply fill in your details using the form below and we can show you an estimated price for your insurance on screen in less than a minute.

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If you like your estimated price, you can continue to get a full quote and set up your cover online. For more information about our products, you can visit our Private Hire insurance page.