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Guide To Acorn Taxi Insurance
Acorn is one of the largest vehicle insurance providers in the UK. Since 1982, the company has been offering private and public hire taxi insurance as well as fleet, minibus, and short-term taxi insurance.
Acorn is a member of the British Insurance Brokers Association and is regulated by the UK Financial Services Authority. With competitive premiums and exceptional customer service, the company claims to be the specialist provider in the UK. Let’s walk through the offerings of Acorn Taxi insurance and how it facilitates drivers on the road.
What Is Included In An Acorn Taxi Insurance Policy?
Acorn offers national coverage to all kinds of taxi drivers, ranging from minibus insurance and PCO coverage to black cab insurance. The company offers a basic level of coverage, and from here, you can tailor your coverage according to your needs and preferences. This means you don’t have to pay for unnecessary extras; it lets you pay for what you want.
The policy covers both public and private taxi drivers. If you are using a minibus as a taxi, the vehicles included in minibus insurance coverage must have 6 to 16 seats.
In addition, Acorns cater to seasoned taxi drivers who do not want long-term insurance coverage. The short-term taxi cover helps drivers avoid annual coverage by offering short-term coverage options, starting from the 7-day insurance plan.
Levels of Acorn Taxi Insurance Available
The coverage comprises Comprehensive, Third Party Only, and Third Party fire and theft options.
| Cover | Comprehensive | Third-Party Fire & Theft | Third-Party Only |
|---|---|---|---|
| Legal liability to others | ✓ | ✓ | ✓ |
| Damage to your taxi in case of accident or vandalism | ✓ | × | × |
| Damage to your taxi in case of fire, explosion, or self-ignition1 | ✓ | ✓ | × |
| Damage to your taxi in case of theft | ✓ | ✓ | × |
| Windscreen repair/replacement | ✓ | ✓ | × |
| Foreign use | ✓ | ✓ | × |
Glass Windscreen Cover
A chipped or cracked windscreen can be more than an inconvenience, it can also result in 3 penalty points and a fine of £2,500. Acorn Taxi Insurance's glass windscreen cover assistance ensures that drivers can swiftly address such issues without undue stress.
Whether it's a small chip or a major crack, Acorn's coverage ensures that taxi operators can continue to provide safe and clear journeys for their passengers. In addition, you can get breakdown coverage for an extra £104.
Public Liability Insurance
Public liability coverage offered by Acorn Taxi Insurance steps in to protect taxi drivers from unexpected expenses arising from accidents involving passengers. The Acorn taxi insurance offers public liability cover for annual premium options as a standard.
If you are a taxi driver and regularly take children to school in the UK, you are legally responsible for their care. A standard taxi or motor insurance won’t cover you in such a scenario. So Acorn offers public liability taxi insurance to protect your business. With a public liability policy, you get complete coverage in case a third party holds you liable for any damages.
No Claim Discount
Safe driving is a skill deserving of recognition, and Acorn Taxi Insurance acknowledges this through its No Claim Discount (NCD) feature. As drivers accumulate safe driving periods without claims, they become eligible for discounts on their premiums. This initiative not only promotes safe driving practices but also provides a financial incentive for responsible behaviour on the road.
Your no-claim discount won’t be affected if you claim for windscreen or wind cover damages.
Acorn Taxi Fleet Insurance
For fleet owners managing multiple taxis and drivers, Acorn Taxi Insurance presents a tailored solution in the form of taxi fleet insurance. This package streamlines the insurance process, covering all vehicles and drivers under a single policy.
The types of vehicles covered under Acorn tax fleet insurance are:
The company considers both established taxi fleets and new drivers in the policy. From 7 days to annual coverage options, Acorn Taxi Insurance offers flexible choices to meet your coverage needs. In addition, flexible indemnity caps are also offered, considering your performance and specific needs.
Taxi Drivers With Convictions
Unlike other taxi insurance providers who restrict convicted drivers from coverage, Acorn considers all types of drivers. Even if your licence has some points, or you were previously convicted of motoring crimes, Acorn's taxi policy will cover you.
They will take your history, experience, and circumstances into account and will offer the most competitive quotes. But they will make sure that you are a reformed driver by asking for proof, such as a speed awareness test.
How To Reduce The Cost of Acorn Taxi Insurance?
You might be looking for ways to reduce your premium costs, especially if you are a convicted driver. The best way to avoid spending a fortune on your premium costs is by comparing quotes from multiple insurance providers. You can also use a robust online quote comparison service such as this one to find the most competitive deal available.