What does a valid private hire insurance policy cover?

A valid private hire insurance policy is specifically designed to provide coverage related to the operation of a private hire vehicle, which includes liability for passenger transport. This type of insurance ensures that in the event of an accident while carrying passengers, the driver is protected from financial claims arising from injuries or damages caused to passengers or third parties. It is crucial for private hire drivers to have this coverage to comply with legal requirements and to ensure the safety of passengers during their journeys.

The other options do not encompass the full scope of coverage required for private hire vehicles. While personal injury and property damage can be components of broader insurance policies, they do not represent the comprehensive liability specifically tailored to the transport of passengers. General vehicle issues, while important, fall more under standard vehicle insurance rather than the specialized coverage provided by private hire insurance.