Heard from my broker that around the country, taxi drivers are being caught up in claims scams that are contributing to the increase in insurance premiums
TAXIS are being targeted by gangs doing the following:
1. Taxi drivers are picking up passengers - before the passenger leaves the vehicle at the drop off point they make a call to another car.
2. As the passenger opens the door, the other car just contacted is passing and then hits the taxi door
3. The passenger then goes off and does not leave their details leaving the taxi driver to provide their insurance details.
4. Then a damage for; injury claim and hire of another vehicle is submitted by the other car and its Passengers, as a result of the created claim. This can run up a bill of several thousand pounds to your insurer.
The road traffic act says that the vehicle insurance pays for anyone getting in or out of a vehicle. This means that effectively drivers are responsible for an accident that is not their fault, NCD is reduced at renewal and premiums will go up. Through no real fault of the driver, the taxi is off the road for repairs. With more of these incidents happening it's why everybodies premiums are increasing
If its happened to you if you've got CCTV installed make sure you keep the footage and contact your insurance company ask them to investigate fully. If you suspect anything involve the police. Alternatively make sure all your passengers get out from the kerb side.
