taxi driver insurance

pompeyhornet

I am a taxi driver, my girlfriend wants to put me on her insurance policy (annual cost £200 for her only). When we mention I am a taxi driver they wanted £500. I lease my taxi (8 seats including the driver) and am usually driving it most of the time.
I would only be a second driver on her policy and rarely drive her car.

Is there another legit occupation I can put down that will not increase her policy so much.

A minibus has between 9-16 seats.
Could I be classed as a Hire Car Driver.

InsideInsurance

Are you a hire car driver? Doesnt sound like you are delivering hire cars.

You could look at private hire driver if you are private hire and not hackney plated.

Are you a sole trader, employee or operate your own limited company? If you are the later then saying you are a Director is accurate

Almost all driving professions push up quotes significantly, if you are a young driver, have claims or points etc then that can be pushing it up rather than your job

sithemadmonkey

If you are driving a car (/minibus/van etc) with the word 'taxi' on it, then it would be very difficult to convince an insurer that, for rating purposes, you are anything other than a taxi driver.

There's a big difference between having an occupation that genuinely spans several descriptions, and picking a 'cheaper' occupation that is a poorer description of your job than the original one. You're also likely to set off alarm bells at the insurer if you've already got a quote as a taxi driver.

Quentin

There is an MSE tool you can play with to see if different job descriptions help reduce the premium whilst not cheating:

http://www.moneysavingexpert.com/insurance/car-insurance-job-picker/