Taxi Driver Online

UK cab trade debate and advice
It is currently Wed Dec 01, 2021 1:55 am

All times are UTC [ DST ]




Post new topic Reply to topic  [ 7 posts ] 
Author Message
PostPosted: Tue Nov 02, 2021 1:39 pm 
Offline

Joined: Wed May 16, 2012 6:33 am
Posts: 9016
A question that crops up every now and again, and might be the kind of thing that's included in a trade FAQ.

This looks like something that might be on an insurer's website, but is on the Business Matters website, which describes itself as 'UK's leading business magazine'.

So to the extent it's in a general business publication rather than a specialist one, it might smack of advertorial. But there's no actual insurance provider mentioned, so who knows?

Maybe it's originated from some kind of insurer's trade or professional organisation, so they're representing lots of providers rather than an individual business, so there's no names named.


Do Taxi Drivers Need Public Liability Insurance?

https://bmmagazine.co.uk/business/do-ta ... insurance/

As a taxi driver, you have to interact with the general public daily. This exposes tax drivers to many risks, including harassment, physical injury, and even false accusations. Fortunately, many drivers on the road feel protected from these dangers, thanks to their fleet’s taxi insurance.

However, do you know that fleet taxi insurance might not be enough to protect you completely? If you look at your taxi insurance’s coverage, you might discover that it mainly protects you. Taxi insurance is designed to protect the driver in cases of:

    • Traffic accidents, whether or not the driver is alone or with a passenger
    • Attempted theft or actual theft
    • Fire
    • Car damage

Basically, taxi insurance is designed to protect the driver and the car. However, it also provides coverage for passengers in case of traffic accidents.

The Need For Public Liability Insurance

If taxi insurance covers passengers as well, then is there a need for public liability insurance? The answer to that is yes. If you look at the fine print, taxi insurance only covers third-party liability in case of traffic accidents. However, a passenger is in your care from the time they get into your taxi up until the time they exit it.

In many cases, a taxi driver’s responsibility goes beyond this point. For example, if your passenger is an older adult, they may ask you to escort them to their front door. If this is the case, the taxi driver is responsible for their safety until they reach their doorway.

Although most taxi passenger injuries and deaths are from traffic accidents, they can get hurt in more ways than one. A thief on a motorcycle can sideswipe them as they’re alighting from your taxi. They could be allergic to your taxi’s air freshener and suffer an allergic reaction. They might lose their valuables while inside your cab and accuse you of thievery. They can get into an argument with you and suffer a heart attack because of it.

Some of these scenarios might sound far-fetched to you, but they do happen. And when they do, it’s usually a massive headache, not only for the taxi driver but the fleet management as well.

What Does Public Liability Insurance Cover?

So what does public insurance cover that fleet taxi insurance doesn’t? While public liability insurance terms vary depending on which insurance company you go to, here are some of the things covered by this type of insurance:

    • Personal injury to passengers or other persons
    • Death of a passenger or other persons
    • Damage or loss
    • Financial assistance for legal expenses

Not only does public liability insurance protect taxi drivers from liability if anything happens to their passengers, but it also aids them financially in case someone does sue them and thus requires legal representation

Give Your Fleet Total Protection With Public Liability Insurance

Fleet taxi insurance is an excellent benefit for taxi drivers. It allows them to focus on recuperating in situations where they are injured due to traffic accidents, theft, and other dangers. However, it doesn’t fully protect them from lawsuits from passengers and other parties involved.

While taxi insurance can go a long way, adding public liability insurance on top of that is the best way to protect taxi drivers while they are on duty. Not only does it shield them from legal claims, but it also allows them to perform their job with the peace of mind that they are fully protected no matter what happens.


Top
 Profile  
 
PostPosted: Tue Nov 02, 2021 2:12 pm 
Offline

Joined: Tue Apr 03, 2007 11:27 pm
Posts: 18961
We are required to have £10,000,000 public liability insurance for our school contracts. This was included in our insurance at no additional cost.

_________________
Grandad,
To support my charity text MAYORWALK to 70085 to donate £5


Top
 Profile  
 
PostPosted: Tue Nov 02, 2021 2:41 pm 
Offline

Joined: Wed May 16, 2012 6:33 am
Posts: 9016
Indeed, and I suspect such public liablity cover is a standard requirement for those doing any kind of public sector contracts.

And which might have usefully been mentioned in the article [-(


Top
 Profile  
 
PostPosted: Tue Nov 02, 2021 9:00 pm 
Offline
User avatar

Joined: Wed Sep 03, 2003 7:30 pm
Posts: 49108
Location: 1066 Country
I always thought my normal taxi/PH insurance covered me when helping folks away from the car, but still on taxi/PH jobs.

My insurer told me a few years back that that was no longer the case. :sad:

Clearly those on circuits will be covered by the operator's liability insurance, but for those working independently they need the extra cover if they want to be safe from the ambulance chasers.

_________________
IDFIMH


Top
 Profile  
 
PostPosted: Thu Nov 04, 2021 11:04 am 
Offline
User avatar

Joined: Thu May 03, 2007 8:15 pm
Posts: 8899
grandad wrote:
We are required to have £10,000,000 public liability insurance for our school contracts. This was included in our insurance at no additional cost.


Ditto.


Top
 Profile  
 
PostPosted: Thu Nov 04, 2021 11:11 am 
Offline

Joined: Mon Jan 18, 2016 7:56 pm
Posts: 2281
Inclined to think company public liability insurance would only cover employees driving company cars not the so called self employed.


Top
 Profile  
 
PostPosted: Thu Nov 04, 2021 1:08 pm 
Offline

Joined: Tue Apr 29, 2008 4:06 pm
Posts: 23210
Location: A City near Birmingham
yes, if the LA demands it

_________________
Freedom is never free


Top
 Profile  
 
Display posts from previous:  Sort by  
Post new topic Reply to topic  [ 7 posts ] 

All times are UTC [ DST ]


Who is online

Users browsing this forum: No registered users and 24 guests


You cannot post new topics in this forum
You cannot reply to topics in this forum
You cannot edit your posts in this forum
You cannot delete your posts in this forum
You cannot post attachments in this forum

Jump to:  
Powered by phpBB® Forum Software © phpBB Group