02/11/2023
In the bustling world of UK taxi services, where every mile counts and passenger safety is paramount, securing the right insurance isn't just a legal requirement; it's a fundamental pillar of your business. Standard car insurance simply won't suffice for the unique demands of professional driving. This is where specialist brokers like Clegg Gifford & Co Limited step in, offering tailored solutions designed to protect you, your vehicle, and your passengers. Understanding who they are, what they offer, and how to navigate their services is crucial for any discerning taxi driver.
Who Are Clegg Gifford & Co Limited?
Clegg Gifford & Co Limited stands as a venerable name in the UK insurance market, distinguished by a rich heritage and a profound understanding of both personal and commercial insurance lines. Their long-standing presence has allowed them to cultivate robust relationships with a wide array of insurers, ensuring that clients benefit from a truly comprehensive choice of coverage. This extensive network means they are not tied to a single provider, but rather can scour the market to find policies that offer the most flexible and appropriate options for their clients' diverse requirements.
As a prominent Lloyds broker, Clegg Gifford also enjoys privileged access to the prestigious London Market insurers. This access is a significant advantage, particularly for more complex or bespoke insurance needs that might not be readily available through conventional channels. For taxi drivers, this translates into a greater likelihood of finding a policy that precisely matches the intricacies of their trade, from vehicle type to operational hours and passenger liabilities. Their emphasis is always on delivering solutions that not only meet legal obligations but also provide genuine peace of mind and robust protection for your business assets.
Why Specialist Taxi Insurance is Essential
For anyone operating a taxi in the UK, a standard car insurance policy is simply inadequate and, crucially, illegal. Taxi insurance is a specialist policy specifically crafted to address the elevated risks and unique liabilities inherent in public hire or private hire operations. Unlike a private vehicle, a taxi covers significantly more miles, often operates during unsocial hours, and is frequently driven in high-traffic, built-up urban environments. These factors inherently increase the likelihood of incidents.
Furthermore, a taxi carries passengers, which introduces a whole new layer of responsibility. Taxi insurance provides a far greater level of cover, extending protection not just to the vehicle and the driver, but also to members of the public, the passengers you transport, and even their personal property. The potential for personal injury claims in the event of an accident is significantly higher when multiple passengers are involved, making robust liability cover indispensable.
Your taxi isn't just a car; it's your livelihood. If your vehicle is off the road, even for a few days, the direct impact on your earnings can be severe and potentially damaging to your business. A tailor-made taxi insurance policy acts as a vital safety net, mitigating these financial consequences by providing cover for specific risks such as vehicle repairs, replacement vehicles, and legal expenses. It is a legal mandate that you possess such specialist cover, underscoring its critical importance for securing your business and ensuring continuous operation.
Connecting with Clegg Gifford Insurance
Clegg Gifford understands the importance of accessible communication. While much information is available online, they maintain a strong human touch, offering various channels for direct contact. Whether you have a general enquiry, need to discuss a policy adjustment, or are dealing with a critical incident, knowing the right contact point is key.
General Enquiries and Policy Adjustments
For most general enquiries, policy adjustments, or to speak to a human about your policy, the head office switchboard is your primary contact:
- Head Office Switchboard: 01708 971000
If your business was written through one of their specific offices, checking the telephone number on your paperwork can guide you. Romford office numbers begin with 01708, while Peterborough office numbers start with 01733. Alternatively, your policy number provides a clue: for example, 08-CLTX01 indicates the branch at the front (08 usually for Romford), or L/ROM/00001 where 'ROM' signifies Romford, 'EDN' for Edinburgh, and 'WST' for Westminster.
Specialised Contact Numbers
For specific types of enquiries or services, dedicated lines are available:
- Motor Trade Policies (Head Office): 01708 982661
- Peterborough Office: 01733 569555
- Guernsey Office: 01481 728987
- Management Team / Commercial Ventures / New Agencies / Careers: 01708 982660
Press and Media Enquiries
For accredited journalists or media outlets seeking company information related to press issues, contact the press office:
- Email: [email protected] (Note: This is strictly for media and cannot assist with policy queries from customers).
Managing Your Policy: Renewals, Changes, and Complaints
Clegg Gifford aims to make managing your insurance policy as straightforward as possible. They provide clear processes for making changes, renewing your cover, and addressing any concerns you might have.
Making Changes to Your Policy
Life circumstances and business operations can change, and your policy needs to reflect these updates. Whether you've added a driver, changed address, or acquired a new vehicle, it's crucial to inform Clegg Gifford. They are happy to assist with policy adjustments. Simply call them on 01708 971000 to discuss your requirements. Being proactive in notifying them of any material changes ensures your cover remains valid and comprehensive.
Renewing Your Policy
Renewing your taxi insurance is a critical annual task. Clegg Gifford offers several convenient options:
- In-Office Visit: You can visit your local office during weekdays (9 am – 5 pm) to discuss your renewal in person with a team member. On-site parking is available.
- Phone Renewal: Call 01708 971000 to provide renewal instructions over the phone.
- Email Renewal: Send your renewal instructions to [email protected].
It's imperative to thoroughly check your renewal information to ensure all details are accurate and that any permanent changes you've made (e.g., added drivers, changed address) are correctly reflected. Furthermore, you must make Clegg Gifford aware of any new occurrences, issues, claims, convictions, or other items of material importance that could impact the underwriter's view of your policy. Even if it's not 'good news', discussing these concerns allows Clegg Gifford to explore options and make the best representations to insurers on your behalf. They aim to send renewal notifications in a timely manner, but if you haven't received yours, check your spam/trash folders or contact their office directly.
Making a Complaint
Clegg Gifford strives for the highest service standards, but if you are dissatisfied for any reason, they have a clear procedure to ensure your concerns are dealt with promptly and fairly.
How to Make a Complaint:
- If Insured via a Broker/Adviser: Your first point of contact should be your broker, who will take up the complaint on your behalf with Clegg Gifford.
- If Insured “Direct”: Contact their Compliance Department directly:
Compliance Department
7 Eastern Road
Romford
RM1 3NH
Email: [email protected]
Telephone: 01708 982666
Always include your name, the policyholder's name, and policy/claim numbers in all communications.
Complaint Resolution Process:
Verbal Complaints: They aim to resolve verbal complaints within three business days. If not resolved, the matter is passed to the Compliance Department for an impartial review, with a final response letter issued within 8 weeks.
Written Complaints: They will acknowledge written complaints within 5 business days and issue a final response letter within 8 weeks. If there's a delay, they will inform you with reasons and an expected response date.
Final Response Letter: This will summarise your complaint, detail their findings, and explain their decision.
If You Remain Dissatisfied:
If you haven't received a final response within 8 weeks or are unhappy with the decision, you can refer your complaint to the Financial Ombudsman Service (FOS):
Financial Ombudsman Service
Exchange Tower,
Harbour Exchange Square,
London,
E14 9SR
Telephone (Landline): 0800 023 4567
Telephone (Mobile): 0300 123 9123
Email: [email protected]
Web: www.financial-ombudsman.org.uk
Alternatively, you may submit details via the European Online Dispute (EOD) platform: http://ec.europa.eu/odr
Lloyd's Complaints: If your insurance is placed with Lloyd’s, you can also contact their Complaints Department:
Complaints Department
Lloyd’s
One Lime Street
London
EC3M 7HA
Telephone: 020 7327 5693
Email: [email protected]
If still dissatisfied after contacting Lloyd's, you can refer your complaint to the Financial Ombudsman Service.
In the unfortunate event of an incident, a swift and efficient claims process is paramount for a taxi driver. Clegg Gifford has appointed Markerstudy Insurance Services Ltd to manage their claims, ensuring a streamlined experience from the first notification through to settlement. Clegg Gifford is part of the Markerstudy group of companies, which facilitates this integrated approach.
Reporting an Accident or Incident
It is of utmost importance to contact Clegg Gifford immediately notification after any road traffic accident or incident, even if there appears to be no damage or if a third party claims they won't pursue a claim. Experience shows that third parties often change their minds. Prompt notification allows them to manage any third parties, assist passengers, and work towards bringing down potential claims costs, which have dramatically increased in recent years. Failure to notify them promptly could result in an increased excess or recovery of incurred claims costs against you.
Emergency Claims Contact Numbers (24 hours):
- Road Traffic Accident or Incident: 0333 313 3131 (24 hours)
- Breakdown Assistance: 0800 132450 (24 hours)
Windscreen or Glass Repairs:
For windscreen or glass repairs, contact varies by policy underwriter:
- Tradex Policyholders: 0330 1246546
- Clegg Gifford Policyholders: 0330 1247931
- ERS Policyholders: 0345 6023378 (24 hours)
The Claims Department's Role
Markerstudy’s Claims department will guide you through every step of the process. They handle claims made against your policy and any claims you may make against a third party’s policy. Their claims handlers are described as helpful, supportive, and knowledgeable, aiming to provide the best possible service. While Clegg Gifford will notify insurers where appropriate, it is crucial to remember that informing Clegg Gifford does not detract from your duty to make your insurers aware of the loss if your policy stipulates this, especially for some commercial insurance products.
Avoiding Unnecessary Costs and Complications
In the event of an accident, Clegg Gifford strongly recommends contacting them first before engaging with a third-party solicitor or a credit hire company for a replacement vehicle. They can arrange such facilities for you and provide essential advice and support throughout the claims process, helping to manage costs and prevent complications that might arise from independent arrangements.
Frequently Asked Questions About Clegg Gifford & Taxi Insurance
What is Clegg Gifford & Co Limited?
Clegg Gifford & Co Limited is a well-established UK insurance broker with a vast network of insurers, including access to the Lloyds and London Market. They specialise in offering flexible coverage options for both personal and commercial lines, with a strong focus on specialist policies like taxi insurance.
Why do taxi drivers need specialist insurance?
Taxi drivers require specialist insurance because standard car insurance does not provide the legally required level of cover for operating a vehicle for public or private hire. Taxis face higher risks due to increased mileage, unsocial hours, and the responsibility of carrying passengers and their property. Specialist policies protect your livelihood and cover specific liabilities unique to the taxi trade.
How do I contact Clegg Gifford for general enquiries?
For most general enquiries and policy adjustments, you can call their head office switchboard on 01708 971000. You can also visit their local offices or email for specific services like renewals.
How do I report a road traffic accident to Clegg Gifford?
In the event of a road traffic accident or incident, you must call Clegg Gifford immediately on 0333 313 3131. This line is open 24 hours. Prompt immediate notification is crucial to manage claims effectively and potentially reduce costs.
What should I do if I need to renew my taxi insurance policy?
You can renew your policy by calling 01708 971000, emailing [email protected], or visiting your local office in person. It is vital to thoroughly check your renewal documents and inform Clegg Gifford of any changes or incidents that might affect your policy.
How do I make a complaint about Clegg Gifford's services?
If insured directly, you can contact their Compliance Department via email at [email protected] or by phone on 01708 982666. If insured via a broker, your broker should be your first point of contact. If you remain dissatisfied after their internal process, you can escalate your complaint to the Financial Ombudsman Service or, if applicable, Lloyd's Complaints Department.
Does informing Clegg Gifford automatically notify my insurer?
While Clegg Gifford's Claims department will notify insurers where appropriate, informing Clegg Gifford does not always detract from your duty to make your specific insurer aware of a loss, especially if your policy stipulates this. It's always best to clarify with your policy documents or a claims handler.
Conclusion
Clegg Gifford & Co Limited offers a vital service for UK taxi drivers, providing not just insurance policies but comprehensive support and expertise tailored to the unique demands of the profession. Their extensive market access, dedicated claims management through Markerstudy, and clear communication channels make them a reliable partner in protecting your business. By understanding their services, knowing how to contact them for various needs, and proactively managing your policy, you can ensure your taxi business remains well-protected, allowing you to focus on what you do best: providing an essential service to the public.
If you want to read more articles similar to Clegg Gifford: Your UK Taxi Insurance Experts, you can visit the Insurance category.