Taxi Driver Online

Here's one that came out of the blue this morning:

Apparently, a very popular insurance company only covers goods with a passenger.

This would appear to exclude goods carried without a passenger ie as a courier.

Anyone had experience of this?

I think if a insurance firm wants to deal with the taxi/PH trade, then they need to cover for all our work.

Which includes, at times, taking stuff without punters.

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IDFIMH

have you got GIT?....

if you wanna carry goods without passengers then i assume its ok for couriers to carry passengers WITH goods, but only charge for "carriage of goods..."

my courier insurance was less than PH insurance, even on a bigger vehicle and with "any driver", although i always had "haulage" not courier insurance...

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Of all the things ive lost, i miss my mind the most

And why do you think that might be?

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Kind regards,

Brummie Cabbie.

Type a message, post your news,
Disagree with other members' views;
But please, do have some decorum,
When debating on the TDO Forum.

dont even go there

5 years and i never had a straight answer

sone say "courier" is multidrop, some say its ad-hoc

whats multidrop? some say over 3 drops...


i know what it is, its an excuse to bump up premiums

when TNT wanted to see the word courier on my "Hire and Reward" insurance, CIS sent me an all-covering letter, they didnt differentiate.

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Of all the things ive lost, i miss my mind the most

Is anyone able to catagorically state that their insurance covers them for courier work? eg Taking 2 tyres to the next town or an 'envelope' to a man's son in the next village.

If such items are not covered, you would become liable for their loss.

As I said originally, I am aware of at least one insurance company who appear not to cover this type of business.

Most insurances say you are insured for taxi/PH work. Can't see a court saying you must only carry punters.

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IDFIMH

May I reiterate, Sussex? Can you catagorically state that your insurance covers you? Have you checked with your insurers?

I wouldn't want anyone else to think that this thread has run it's course and that there may not be an issue here. There may not be a problem but, I, for one, would prefer to raise the possibility with our colleagues on here.

i think i am now with the same insurer have emailed my agent regarding these issues. in aberdeen we get some frieght as does every other city or town it would be nice to know where we stand on this.

Taken from my certificate of insurance.

"limitations as to use.
Use for social, domestic and pleasure and in conection with the policyholders bussiness, including the carriage of goods and passengers for private or public hire."

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Grandad,

'Goods and passengers' or 'goods and/or passengers?'

The acid test is how a court would interpret it - strictly as written or as it may appear to 'a reasonable man riding on the Clapham omnibus.' [Greer LJ; Hall v. Brooklands Auto-Racing Club (1933) 1 KB 205.]

does your insurance cover you for "H&R" of goods?

carriage of goods for hire or reward.....

i bet it doesnt

if you had a passenger carrying a package you would be covered.....maybe

ever known an insurance company pay up willingly?

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Of all the things ive lost, i miss my mind the most

Well mine does.

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IDFIMH

and what is your GIT level?

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Of all the things ive lost, i miss my mind the most

As big a git as you can get.

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IDFIMH