bloodnock wrote:
Makes sense, your either insured for everywhere all of the time or your only insured everywhere for some of the time, you cant have vehicle insurance that only covers you only in certain areas of the UK...the only exemptions being it would be either for hire or reward, hire or reward and social use or simply social use or for commercial uses like sales reps or delivery vehicles.
The Geneva convention of 1947 and subsequent EU laws provide that every motor vehicle in the EU and associated areas is covered for third party risks anywhere in those areas at all times.
In my particular case when I was operating private hire cars the insurance was for the carriage of passengers for hire and reward, social, domestic, personal pleasure. No restrictions as to whether the driver had a ph or hackney licence as it is quite legal to carry for hire and reward going to/from weddings and funerals without a ph or taxi licence. The driver did however require the licence to drive such a vehicle; the insurance did not state that he needed a ph or taxi licence issued by a local authority. It is the car licence that gives authority to drive the vehicle on the road. The ph/taxi licence is an additional licence under the various taxi/ph Acts to carry passengers when the vehicle is being used as a licenced taxi or ph. It depends on the wording of the insurance policy.
I could have used my licenced ph car to pick up passengers on the street, yes I know it's illegal and I didn't do it, but I would have been insured to do so.