What car insurance is needed for a car that is used in a taxi?

Today, almost any driver can become a taxi driver - all you need to do is register in the application from popular taxi services and go on a route. However, not all motorists know that more reliable protection in the form of insurance is required for cars with checkers.

What are the features of insurance registration for taxi drivers?

In Ukraine, OSAGO insurance is mandatory for all drivers of land vehicles. Taxi is no exception. The policy is issued for an hour, and in the case of an overdue period of validity or the complete absence of the car owner, a fine awaits. And if an accident occurs, the driver will independently compensate the damages caused to third parties. Not to mention repairing your own car.

 

The price of insurance is calculated individually and depends on 3 factors:

1. vehicle type;
2. engine volume of the vehicle;
3. city ​​of registration of the owner.

For taxis, an increased coefficient is provided for the formation of the cost. All because the driver is often behind the wheel, including at night and in bad weather, when the risk of getting into an accident increases. This directly affects the increase in the price of the policy, as a rule, up to 30%. However, the auto-citizenship is still available to all drivers if you use the electronic policy Hotline.Finance.

Electronic policy - what are the advantages?

Since 2018, online insurance has been widely available in Ukraine, which allows you to take out insurance via smartphone without visiting the SC office. In addition to the speed of obtaining a policy, E-insurance has a number of advantages.

1. The online contract is by default 10% cheaper due to the lack of intervention of the insurance agent, whose commission is included in the insurance price. To get the current conditions of taxi programs on the aggregator, you need to tick the appropriate box.
2. A person receives insurance after registration by email. It only takes 5 minutes and you have a ready contract in your phone. It is also pulled into the state application "Action".
3. The opportunity to choose the best option of the program. The driver can independently view the offers, choose insurance options, a contract with or without a franchise, use bonuses from SC, if there are any (for example, a road assistance card).

For those who want to be completely sure of reliable coverage, they can expand OSAGO limits up to UAH 1 with the help of DGO.

Why can they refuse to pay under OSAGO?

Sometimes insurers refuse to pay insurance premiums. But this does not happen just like that, but with gross violations. There are not many of them, but they are essential:

1. the policy contains incorrect data. If a person cheats and did not make a note that the car is used in the taxi service. It is important to understand that the insurance company carefully inspects the car before compensating. If it is found that the insurance was purchased as for ordinary transport, the insurer has the right to refuse the applicant.
2. if the car has not passed mandatory technical inspection (OTK). The law of Ukraine requires taxi drivers to undergo annual inspections at certified stations. Without an up-to-date OTC, the auto citizen simply does not work.

Is it necessary to buy CASCO?

CASCO is considered a voluntary insurance policy for drivers. Its purpose is to protect the car in any negative situations that may happen on the road while driving or parking:

1. road accident (it does not matter who is to blame and who is the victim);
2. fire or arson;
3. hijacking;
4. falling objects on transport and other.

The cost of CASCO due to the coverage of many risks is much higher, especially for those who go out to tax. Insurance companies can also set conditions for drivers, for example, driving experience of XNUMX years. Sometimes, taxi companies comprehensively arrange insurance for drivers and make discounts for their drivers.