While providing a copy of your driving licence and other documents may be a minor hassle, insurers have a legitimate reason for carrying out a DVLA licence check. In fact, ensuring all policyholders provide full and accurate information regarding past convictions and penalties can actually save you money.

What do auto insurance companies check?

Your credit score, age, where you live, and the type of car you drive are among the other factors insurance companies consider to determine premiums.

Does a private hire vehicle need an MOT?

All taxis and private hire vehicles, that are more than 12 months old (from date of manufacture) at the point of licensing, are required to pass two MOT tests a year as a condition of continued annual licensing.

Can insurance companies see your Social Security number?

Most insurance companies will request your Social Security number in order to provide you with more accurate car insurance quotes.

Do insurance companies check penalty points?

Penalty points show up on your driving record, not on your actual licence. Having current penalty points can affect your insurance premium. In general, insurance companies will calculate your premium based partly on the nature and number of your offences. If they’re serious or many, you’ll be paying more.

Who needs a private hire licence?

Any vehicle that seats up to eight passengers and is available for hire with a driver requires a private hire vehicle (PHV) licence. It is the responsibility of the vehicle owner to apply for a licence. The private hire regulations have recently changed.

What’s the difference between private hire and Uber insurance?

The main difference from private hire insurance is that you will also need public liability cover. This will protect Uber drivers if a passenger is hurt or injured whilst in your car and brings a claim against you. Where does Uber operate? Uber operate all over the UK.

Which is the cheapest insurance for private hire?

Moreover, Fleet insurance is the perfect and cheapest option for private hire firms that have their own fleet of vehicles, and certainly much easier to manage also.

Is there any control over private hire cars?

No control over the standard of vehicles or their appearance or display of private hire plates, either in setting these standards or enforcing them. No practical way of vehicle standards or licence conditions being monitored by licensing authority due to distances involved. Concerns over abuses of booking system.

Can a PHV be booked through an operator?

PHVs can only be booked through an operator. It is important that a disabled person should be able to hire a taxi on the spot with the minimum delay or inconvenience, and having accessible taxis available helps to make that possible.