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 Post subject: Insurance FAQ clanger(?)
PostPosted: Thu Aug 15, 2019 5:51 am 
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Came across this 'Top 10 Taxi Insurance FAQs' published recently on ChoiceQuote Insurance's blog:

Wasn't going to bother with it on here, but skim read it and noticed this:

ChoiceQuote Insurance wrote:
Can my spouse drive my taxi for social, domestic and pleasure use?

Most taxi insurers that we deal with will allow the spouse to drive on the taxi policy for social, domestic and pleasure purposes, generally with no additional charge. However, there are several councils throughout the UK – mainly in the larger cities and surrounding councils – that do not allow non-badged drivers to drive a plated vehicle.


Ooft.

Recall what Aberdeen City Council said a few years ago regarding the question of spouses driving plated vehicles:

Aberdeen City Council, in 2005, wrote:
The practice in Aberdeen has been that it was permitted for the licensed vehicle to be driven by another person, provided it was for domestic purposes. Condition 30 for taxis and Condition 25 for private hire cars expressly state this.

Grampian Police have indicated that they would take no action against a spouse driving a taxi or private hire car for domestic purposes, provided insurance was in place. The Taxi Inspector has advised that this appears to be the position accepted by most police areas in Scotland. The Corporate Director is of the opinion that this is a very important issue, given the number of saloon taxis and private hire cars in operation in Aberdeen, and in probably other more rural areas of Scotland, with dual roles as work and domestic vehicles, and the position should be clarified as soon as possible.

The trade representatives on the Review Group have expressed surprise as to the apparent illegality of a practice that has been widely accepted over many years by the police and the Taxi Inspector. They have also expressed surprise that their insurers, some of whom are based in England and specialise in insuring taxis, have been willing to grant insurance. They would have thought that the insurers would be would have been aware of the legal position.


So in view of ChoiceQuote's take on the subject, it's hardly surprising that England-based insurers were willing to provide insurance to unbadged spouses in Scotland, where the law seems less clear cut than in England.

Or, at least, clear cut according to most on this forum, if not according to ChoiceQuote :-s


Anyway, for what it's worth this is the full FAQ:


Top 10 Taxi Insurance FAQs

https://www.choicequote.co.uk/news/top- ... ance-faqs/

We’ve put together some of the most commonly asked taxi insurance questions, answering with some quick and easy advice for you to follow.

Taxi drivers want to know about no-claims bonus, how to budget to keep the costs of payment affordable, and which drivers can be covered on their policy, amongst other things.

Here are some of the most frequently asked questions for our team at ChoiceQuote:

1. Can I get a policy where I don’t drive?

Yes, we can arrange policies where the proposer is excluded from driving and list a named driver on the policy. This might be where you own a vehicle and employ a driver to work for you, for example.

2. Does a taxi policy include driving other cars?

No – your taxi insurance policy only provides cover for the vehicle(s) listed, and not for driving other vehicles. You will need separate insurance for these.

3. Can driver changes be made during the policy?

Yes, you can change the policy details during your cover period. Not only can you change the driver, you can change cover details and the vehicle covered.

4. Can young/older taxi drivers be covered?

Yes. ChoiceQuote can arrange cover for drivers between the ages of 23 and 75 on our standard schemes and can potentially cover younger or older drivers based on their individual circumstances. Give us a call for more information.

5. Are there benefits to having a camera fitted in my taxi?

Yes, having cameras fitted in your vehicle can help with insurance claims, as they independently verify what has happened. Additionally, some cameras can record G-force at the point of an impact, which can help to rebuff fraudulent personal injury claims by showing the real impact of an incident, for example. For taxi fleets, we can help with telematics – speak to our team for more information.

6. Do your policies include public liability insurance?

Most taxi insurance policies include public liability insurance, so the requirements of local authorities are met. We can also sell standalone public liability insurance should it be needed. Again, we can let you know what is covered when we provide a quote for your taxi insurance.

7. Is windscreen cover included?

Yes, provided you buy comprehensive cover (as opposed to third-party only or third-party fire and theft), you will automatically get windscreen cover, though usually with a reduced policy excess. Windscreen claims do not affect no claims bonus at renewal.

8. Can my spouse drive my taxi for social, domestic and pleasure use?

Most taxi insurers that we deal with will allow the spouse to drive on the taxi policy for social, domestic and pleasure purposes, generally with no additional charge. However, there are several councils throughout the UK – mainly in the larger cities and surrounding councils – that do not allow non-badged drivers to drive a plated vehicle.

9. Can I transfer my private car no-claims bonus to my taxi?

This is something that has changed in the taxi market over the years. Generally, taxi insurers will only allow no-claims bonus earned on a taxi policy to be applied to a taxi policy. Within our panel of insurers, we have specific deals where they will allow introductory discount because you have built up your private car no-claims bonus.

10. Can I pay in monthly instalments?

We offer an instalment facility on all our taxi policies. This can help you budget more effectively. Ask us for more details.

Getting the right cover at the right price

Whether you are an existing policyholder looking to amend or add cover to your policy, or you’re looking for a new quote or to move insurance provider, please give us a call on 01625 400201.


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PostPosted: Thu Aug 15, 2019 9:56 pm 
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Quote:
Can my spouse drive my taxi for social, domestic and pleasure use?

Only in a London PHV. (yes I know that's not a taxi !!!!!)

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PostPosted: Sat Aug 17, 2019 8:18 pm 
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I thought "beavis and butthead" changed national law in this regard ?

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PostPosted: Tue Aug 20, 2019 9:01 pm 
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edders23 wrote:
I thought "beavis and butthead" changed national law in this regard ?

Only for those licensed under the 1976 act.

The London PH act specifically allows anyone to drive, as long as they are on the insurance and the vehicles isn't being used, at that time, for hire and reward.

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