Taxi Driver Online

Greedy barstewards are just chancing their luck....Throwing about Exuberant prices then wait and see how much will stick.........Tw*ts...

Nicely put bloodnock, they got the proverbial license to print money & make the rules as they go along!! Cheeky B_astards.

It is highway robbery to many of us.....mine went up 20% this year ffs

However, a guy from PENK insurance did come on this website and give us reasons why taxi isurance was rising.....amongst the many was the fact that numerous large insurers have left the taxi market.......Brit Insurance was one and HSBC (which is short for gang of thieving b*stards) was another.

CC

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Think of how stupid the average person is, and realize half of them are stupider than that.
George Carlin

You think taxi/ph insurance is bad I got quoted £2,200 to drive my car around the country without a plate on it ffs......... apparently driving without passengers is more likely to cause me to have an accident

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Note to self: Just because it pops into my head does NOT mean it should come out of my mouth!!

A long term client of mine was very upset about his renewal premium this month with LV of £1900. He has 3 years protected NCB. In May 2010 when insured with Aviva through TFP Schemes, a cyclist met with his open car door. He maintains it was open and she rode into, her version is that he opended it into her path. My client is an "old school" independent l hackney driver. The lady fell to the floor and he decided to take her to A&E, waited for her then took her home. No charge of course. Her husband rode the bike to check all was fine, it was.

In an attempt to seek a cheaper quote, I called TFP Schemes to get an update on the claim as we anticpated it would have been settled, maybe at a couple of grand for scratches and bruising. Wrong!!! Special damages to cyclist £12000, reimbursement of NHS Trust charges for treatment provided £8000. Third party solicitors costs, which are still outstanding and being challenged £17000!

Another client was hit by a drink driver at the end of September. His vehicle was a LWB Peugeot Expert Teepee he used mainly for airport transfers. He was provided with a VW Transporter as he needed 8 passenger seats with luggage room. £283.00 per day, plus VAT. He had the vehicle for 3 weeks!

The insurance companies are shouting foul but having been in the business for 30+ years, I do take the view that had insurance companies played fair in the past to properly compensate people without a fight, it would not have swung this way.

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Nobody told me to use my initiative. To err is human to arr is pirate.

2 Jobs, its Big Bucks all round, but then again so is the premiums we pay! As a kid, my old fella used to say to me "how do you think these Insurance Companies own these big buildings in the city centre"?????

Surely paying the drivers loss of earnings is cheaper than providing a vehicle ffs



I'm inclined to agree with this having had an insurance company try not to pay out on holiday insurance because I didn't declare that my father had diabetes. He died 3 days before we were due to fly. My father wasn't going with us but apparently my going on holiday was affected by his welfare therefore I should have declared his illness. It took 5 letters and a telephone call from my fathers G.P explaining that his diabetes had nothing to do with his death before they would pay out.

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Note to self: Just because it pops into my head does NOT mean it should come out of my mouth!!

Toots you are right this would seem the logical and cheaper way forward. Problem is the info required to support LOE claims is notoriously difficult to get and of course the claims management companies don't get anything out of it, they make their profits from the rentals. 25 years ago, trying to get an insurance co to reimburse car hire costs was a nightmare. It wasn't until a court case in Wales I think in the mid 1990's that it became more straightforward. Back to my point, had insurance co's been fairer back along this scenario may not have got so out of hand.

I used to negotiate "uninsured loss" claims for clients and trying to get £50 compensation for a whiplash or the cost of a weeks car hire (at normal market rates) whilst repairs were done was like trying to get a Rabbi to eat a bacon sandwich.

Taximanchester, you are right. Insurance is big business but you could say the same about any large corporation. I am a capitilist by nature and welcome profit, but there is a wrong and a right way.

Unfortunately most of the scammers and fraudsters seem to live/operate in the larger urban areas. Consequently you can have a cab driver with an unblemished record in say Bradford or Manchester facing a huge premium cos his insurance company have to factor in to the premiums charged in the area the likelyhood of them getting stuffed through being unable to prove a fraud. I have a client who rear ended a van in Oldham with 4 non English speaking passengers and he swears the break lights weren't working. We all know driving too close etc but we do live in the real world.

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Nobody told me to use my initiative. To err is human to arr is pirate.

There we go again Toots Insurer's making their rules as they go along, what is of concern is so few Insurers, can then monopolize an area & charge what they like, for what is essentially a Legal requirement!

Fair comments 2 jobs, it goes on with these fiddling B_stards, but generally speaking if there was no risk why would you need insurer's? I'm under the impression, Insurer's are targeting the taxi trade, cause they think we making plenty?