Taxi Drivers & Life Insurance
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Life insurance for taxi drivers should be available at normal terms with all insurance providers.
Critical illness cover pays out a cash lump sum of money, if you are diagnosed with a medical condition that is listed in the insurer’s claims set e.g. cancer, heart attack, stroke.
Taxi driver critical illness insurance should also be available at standard rates with most insurance providers.
Income protection pays you a replacement of your monthly income, if you are unable to work due to ill health.
Income protection for taxi drivers can be placed with a number of insurance providers, but you should ensure that your application is placed with an insurer who will accept your occupation with an own occupation definition. Own occupation is the best definition that you can have with income protection as any claim you make will be based upon you ability to be a taxi driver.
If your policy is written with a suited occupation or any occupation definition, then any claim you make will be subject to stricter guidelines of functional ability testing, making it harder to claim on the policy. Income protection policies are written with set deferment periods based upon the affordability of the policy, savings you have and any employment benefits you receive. Our financial advisers can discuss the options for 1 day, 1 week, 4 weeks, 8 weeks, 13 weeks, 26 weeks and 52 weeks with you, to help you in your decision.
Taxi drivers are those individuals who transport people to their desired destination, typically using a car or mini-bus. Taxi drivers are required to have a specific license to conduct their job and this will be in relation to the service they provide: hackneyed carriage, private hire or combined.
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