Jane Dotson
Haven Insurance is a specialist home and motor insurer, providing both short-term and annual insurance policies. Haven offers flexible, specialist cover for a range of insurance products, including small, personal line policies and large fleets of taxis. Their taxi policies offer flexible cover for both public and private hire use and are available on an annual or short-term basis. Haven is committed to providing specialist products and solutions to customers who may have difficulty finding what they need within the general insurance market.
What You'll Learn
Short-term and annual insurance policies
Haven Insurance is a specialist home and motor insurance provider, offering both short-term and annual insurance policies. The company was established in 2002 and was one of the first UK motor insurers in Gibraltar. Haven is committed to providing specialist products and solutions to customers who may have difficulty finding what they need within the general insurance market. This could be due to a number of reasons, including having a history of claims, a driving conviction, or limited road experience.
Haven's short-term and annual insurance policies are designed to meet a wide range of requirements. They offer flexible, specialist cover for a range of insurance products, including small, personal line policies and large fleets of taxis. Haven's private car product is designed to cater to policyholders who may struggle to obtain cheap car insurance elsewhere.
In addition to their short-term and annual policies, Haven also provides a range of add-on products, such as breakdown cover, legal expenses cover, and personal accident cover. Haven's claims team is available 24 hours a day, 7 days a week, to assist customers with repairs, legal support, and replacement vehicles in non-fault accidents.
With over 97,000 policyholders, Haven Insurance is a trusted and established provider, authorised and regulated by the Gibraltar Financial Services Commission. The company operates under European legislation and is committed to staying close to its customers and market.
Insurance Companies: Understanding Their Private Nature
You may want to see also
Specialist motor insurance
Haven Insurance is a specialist home and motor insurance company, providing tailored products and solutions to customers who may struggle to find what they need in the general insurance market. Haven offers both short-term and annual insurance policies, including specialist motor insurance for those who need it.
Haven's motor insurance covers a range of vehicles and uses. For example, they provide flexible cover for both public and private hire taxis, available on an annual or short-term basis. This is ideal for those who drive for a living, as standard car insurance policies are not adequate for this line of work. Private hire insurance is specifically designed to protect professional drivers against any risks they may face, regardless of whether they are at fault or not. Haven's taxi insurance also covers taxi fleets, including credit hire and courier fleets.
In addition to taxi insurance, Haven offers motor insurance for small, personal line policies and large fleets of vehicles. They can also accommodate a wide range of motor trader requirements, including road risks. Haven provides cover for learner drivers practising in their own or a family member's car. They also offer cover for impounded vehicles and short-term policies.
Haven's specialist motor insurance is designed to meet a wide range of requirements and often provides cover for those who may struggle to obtain insurance elsewhere. With their specialised underwriting team, Haven is able to offer tailored insurance for unique situations.
VA Billing: Private Insurance and Your Coverage
You may want to see also
Add-ons like breakdown cover
Haven Insurance is a specialist home and motor insurer. The company provides both short-term and annual insurance policies, including specialist cover for a wide range of insurance products. Haven's private car product offers flexibility and is designed to cater to policyholders who may have difficulty obtaining cheap car insurance elsewhere.
Haven offers a range of add-ons as standard, including:
Breakdown Cover
Breakdown cover is an essential add-on for anyone who relies on their vehicle for work or regular travel. It provides peace of mind and can save you time and money in the event of a breakdown. Breakdown cover typically includes roadside assistance, towing services, and battery replacement. Some providers also offer additional benefits such as locksmith services, fuel delivery, and rental car reimbursement.
Haven's breakdown cover is likely to include these standard features and may even provide additional benefits tailored to private hire vehicles in London. This could include priority assistance within the city, ensuring that you can get back on the road as quickly as possible and minimise any disruption to your business.
Legal Expenses Cover
Legal expenses cover is another valuable add-on, especially for those operating in the private hire industry. This type of cover can provide financial assistance in the event of legal proceedings, helping to cover the costs of legal representation and other related expenses. This can be particularly important if you are involved in an accident or dispute that requires legal intervention.
Personal Accident Cover
Personal accident cover is designed to provide financial support in the event of an injury or accident. This type of cover can help with medical expenses, lost income, and other related costs. It is especially relevant for private hire drivers, who may not have the same level of job security or sick pay as those in other industries.
Other Potential Add-ons
Haven also offers a range of other add-on products that may be relevant to private hire insurance in London. These could include:
- Accident management cover
- Public liability cover
- Uninsured driver cover
- Vehicle glass cover
- Courtesy vehicle cover
- Roadside assistance
Public Option: Bettering Private Insurance?
You may want to see also
Private hire insurance for minicabs
If you're looking for private hire insurance for your minicab in London, there are a few things you should know. Firstly, it's important to understand the difference between private hire insurance and standard car insurance. Private hire insurance is specifically designed for drivers who are licensed to transport passengers on a pre-booked basis, and it offers protection against any risks you may face as a professional driver, whether you are at fault or not. Standard car insurance policies typically don't provide adequate cover for this type of activity.
When choosing a private hire insurance policy, look for one that includes essential features such as accident management cover, public liability cover, vehicle glass cover, and uninsured driver cover. These features can provide valuable protection in the event of an accident or incident during your work. Some providers also offer add-ons such as breakdown cover, legal expenses cover, and personal accident cover, which can give you additional peace of mind.
In terms of specific providers, Haven Insurance is a specialist home and motor insurer that offers both short-term and annual policies. They provide flexible cover for a range of vehicles, including fleets of taxis, and are authorised and regulated by the Gibraltar Financial Services Commission. While they don't have specific information about minicab insurance on their website, they do mention that they cater to customers who may have difficulty finding insurance in the general market.
Another option to consider is Acorn Insurance, a UK-based provider of private hire taxi insurance. They have over 40 years of experience and can help minicab drivers find flexible and comprehensive cover. Acorn Insurance is particularly notable for its willingness to provide cover for drivers with convictions or little experience, recognising when individuals have taken steps to rectify past mistakes.
When deciding on a private hire insurance policy, it's important to compare multiple providers to find the best value and coverage for your needs. Online comparison tools can be helpful in this regard, allowing you to quickly get quotes from different insurers. Remember to consider the specific features and add-ons offered by each policy to ensure you have the right level of protection for your minicab business.
Understanding Private Insurance Coverage: Do You Need More?
You may want to see also
Insurance for private hire bases
Private hire insurance is specifically designed for drivers who are licensed to carry passengers for hire and reward, but whose journeys must be pre-booked with a private hire operator. If you are a minicab driver, you will need a specialist insurance policy to protect you, your car, and your customers. This is because you pick up customers when the journey has been booked in advance, and standard insurers' car insurance policies are not adequate.
Private hire insurance is designed to protect you against any risks you may face as a professional driver, regardless of whether you are at fault or not. Typically, such a policy will cover your vehicle in the event of a fire, theft, or any accidental damage occurring.
A typical insurance policy can be arranged to cover:
- Protected no claims bonus – from 1 year upwards
- Flexible payment options to help spread the cost of your insurance
- Public Liability Cover – in the event a client or member of the public has an accident in your vehicle or place of work
- Employers' Liability – if you employ any staff, including part-time volunteers, this is necessary by UK law
- Nationwide breakdown cover including home-start
You may require supplementary products to your Private Hire Insurance, such as:
- Guaranteed Courtesy Vehicle Cover
- 24-Hour Roadside Assistance in the UK mainland including home-start
- Employers' Liability (a legal requirement if you employ anyone in the UK, even if they are part-time volunteers)
- Cover for a private hire base office
- Multi-Car Policies – if you own more than one vehicle
Haven Insurance
Haven Insurance is a specialist home and motor insurer. They provide both short-term and annual insurance policies designed to meet a wide range of requirements, often providing cover where clients find difficulty in obtaining insurance elsewhere. They are a privately-owned insurance company established in 2002 and were one of the first UK motor insurers in Gibraltar. They currently insure more than 97,000 policyholders.
Haven provides flexible, specialist cover for a range of insurance products, including small, personal line policies and large fleets of taxis. Their taxi policies offer flexible cover for both public and private hire use and are available on an annual or short-term basis.
Private Eye Glass Insurance: Is It Worth the Cost?
You may want to see also
Frequently asked questions
Haven provides specialist motor insurance for licensed drivers who carry passengers for hire and reward. Their policies are flexible, offering both short-term and annual cover.
Haven's Private Hire Insurance policies include cover for fire, theft and accidental damage. Additional cover options include use on the continent within the EU, motor legal expenses and claims management, no claims bonus, unlimited windscreen repair or replacement, and public liability.
You can obtain a quote for Haven Private Hire Insurance by contacting their broker directly or by using an online comparison site such as Utility Saving Expert or Quotezone.
