sasha wrote:
Wow that's great 2 Jobs. Put my details into dayinsure for my current car and for 24 hours worth of cover (not as a taxi !) it's £20.24. I'll remember them for future reference.
Only £7387.60 for the year.
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| Author: | Ticker [ Tue Oct 30, 2012 3:40 pm ] |
| Post subject: | insurance question |
Is taxi insurance ok to drive another taxi? A driver was reported recently when he test drove his best buddies new tx. |
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| Author: | 2 Jobs [ Tue Oct 30, 2012 4:37 pm ] |
| Post subject: | Re: insurance question |
Not never ever ever ever. A taxi policy will never have the "driving other cars" extension that is sometimes given on a private car policy. Indeed, most policies for private cars owned and insured by taxi drivers do not give this cover either. You MUST look at your certificate. People say "but I've got comprehensive cover". What they don't always realise is that describes the cover for damage to the insured vehicle, not what you can use it for, who can drive it or anything else. |
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| Author: | sasha [ Tue Oct 30, 2012 7:35 pm ] |
| Post subject: | Re: insurance question |
Quick Q for you 2 jobs. What's the situation regarding test drives and driving a purchased vehicle home ? Obviously before you buy a vehicle you want to take it on a test drive. Do you have to inform your insurance co beforehand or take out some sort of temporary policy for 1/2 an hour, does the current owners insurance cover you if they sit in the passenger seat ? What about getting it home after youv'e bought it, I'm talking straight from the purchase location to home no detours. Would a comprehensive taxi policy give cover as the vehicle is now owned by the policy holder ? |
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| Author: | roythebus [ Wed Oct 31, 2012 9:05 am ] |
| Post subject: | Re: insurance question |
It depends on the wording of the policy applying to the specific vehicle. It may cover driving by any licenced authorised driver which is ok for a test drive; once you buy it, that insurance ceases to cover the vehicle as the insured person no longer owns it. It is YOUR responsibility to ensure any vehicle you drive is properly insured. Many people have been caught out on this "going for a test drive". Up to 6 points, hefty fine, increased premiums etc. Is it worth it? If you buy the car, tell your insurers and they'll issue a cover note. |
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| Author: | 2 Jobs [ Wed Oct 31, 2012 10:17 am ] |
| Post subject: | Re: insurance question |
Sasha Roy is absolutely right here. Insurance co's being the awkward 8uggers they are don't always agree to a "temporary additional vehicle" or "temporary additional driver". The vendor of the vehicle you are wanting to test drive may not want or be able to cover you as a temporary driver so you can test drive his car. If he has a genuine "any driver" policy you should be OK as long as the terms and conditions are adhered to. Your own insurance co may not want to cover a car for a test drive as at that stage it does not belong to you. The best answer is to Google "short term car insurance". There are numerous on line "quote and buy" sites where you can buy cover for 1 to 28 days. We usually recommend www.dayinsure.com. Its underwritten by Aviva so quite secure. Good luck. |
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| Author: | sasha [ Wed Oct 31, 2012 7:47 pm ] |
| Post subject: | Re: insurance question |
Wow that's great 2 Jobs. Put my details into dayinsure for my current car and for 24 hours worth of cover (not as a taxi !) it's £20.24. I'll remember them for future reference. |
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| Author: | wannabeeahack [ Wed Oct 31, 2012 8:13 pm ] |
| Post subject: | Re: insurance question |
2 Jobs wrote: Not never ever ever ever. A taxi policy will never have the "driving other cars" extension that is sometimes given on a private car policy. Indeed, most policies for private cars owned and insured by taxi drivers do not give this cover either. You MUST look at your certificate. People say "but I've got comprehensive cover". What they don't always realise is that describes the cover for damage to the insured vehicle, not what you can use it for, who can drive it or anything else. it SHOULD but excess, loss of NCB, etc oftem mean its not worth claiming when no other car or property is involved |
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| Author: | grandad [ Wed Oct 31, 2012 8:18 pm ] |
| Post subject: | Re: insurance question |
sasha wrote: Wow that's great 2 Jobs. Put my details into dayinsure for my current car and for 24 hours worth of cover (not as a taxi !) it's £20.24. I'll remember them for future reference. Only £7387.60 for the year.
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| Author: | roythebus [ Thu Nov 01, 2012 8:56 am ] |
| Post subject: | Re: insurance question |
Yes but at £20-odd for one day why pay £7300 for a year when you don't need it? A bit like payday loans at 3572% apr. |
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| Author: | 2 Jobs [ Thu Nov 01, 2012 11:51 am ] |
| Post subject: | Re: insurance question |
The pro-rata rate drops the longer the period but 28 days is the max on these. Its also useful if you want someone to drive your car that your own insurer won't cover or you don't want to risk. I wouldn't fancy the odds myself, £20 premium and run the risk of a big injury claim say. In any event most insurance co's charge £50 per week or part thereof for a temp car anyway. This is normally only available once you have actually bought it. |
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| Author: | cabbyman [ Thu Nov 01, 2012 4:52 pm ] |
| Post subject: | Re: insurance question |
The last two cars I've bought have been covered for 7 days FOC but not H&R. This is handy while I'm rushing round getting my own insurance sorted out and getting the vehicle plated. It was also convenient for wifey to drive home from a jazz evening that week when I got pi$$ed!!!!! |
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| Author: | 2 Jobs [ Thu Nov 01, 2012 5:29 pm ] |
| Post subject: | Re: insurance question |
Quote: been covered for 7 days FOC Great if you are buying from a main dealer. Don't let on it will be a taxi as the offer of the 7 days free insurance may be withdrawn. I've had several people caught like that even though it won't be used for h&r during that period. I'd get pi$$ed too if I had to listen to jazz 
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| Author: | cabbyman [ Thu Nov 01, 2012 6:02 pm ] |
| Post subject: | Re: insurance question |
I was totally up front. After all insurance is a contract uberimae fidei so easily voidable by them if I don't disclose a material fact. It was our first visit to the Concord Club at Eastleigh. Brilliant night!! 
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| Author: | 2 Jobs [ Fri Nov 02, 2012 11:14 am ] |
| Post subject: | Re: insurance question |
Quote: easily voidable by them if I don't disclose a material fact. You are of course correct, never tell an untruth. My understanding was the people who didn't get the cover said to the salesman they were buying the car for use as a cab. I assumed they were not actually asked the question about occupation. Jazz = 10 blokes with beards all playing different tunes at the same time!  Glad you enjoyed it though.
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