If you own a taxi or drive one for a living, then breakdown cover in addition to your taxi insurance is crucial to your operation.

Even if you are only off the road for a couple of hours, the downtime will impact your business adversely.

Luckily, for people in the taxi business, there are providers who offer these services, which ensure that the taxi can cut down on time off the road. It is best that the taxi service is backed up with this cover, so that assistance is just a phone call away anywhere in the UK.

The first thing to do is to check if the vehicle, be it taxi or minibus can get the breakdown cover, because some vehicles of a certain weight, length, and height are not eligible for cover. Read the fine print in the policy and find out the eligibility for the vehicle for various levels of cover.

There are three top options for someone who makes a living out a taxi service. The selection criteria should be based on whether such a policy will reduce the duration of down time and increase the rate of recovery.

It is vital that the breakdown cover has 24/7 roadside assistance and offer a quick response, by team of experts, to a breakdown.

The policy should have a home start option – this covers for example if the taxi does not start in the morning and also recovery for a breakdown within a quarter of a mile from home.