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Taxi insurance v courier insurance
http://www.taxi-driver.co.uk/phpBB2/viewtopic.php?f=5&t=9407		 Page 1 of 2
Author:  cabbyman [ Sun Sep 14, 2008 1:45 pm ]
Post subject:  Taxi insurance v courier insurance
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?
Author:  Sussex [ Sun Sep 14, 2008 6:15 pm ]
Post subject: 
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.
Author:  wannabeeahack [ Sun Sep 14, 2008 7:37 pm ]
Post subject: 
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...
Author:  Brummie Cabbie [ Sun Sep 14, 2008 11:09 pm ]
Post subject: 
wannabeeahack wrote:
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...


And why do you think that might be?
Author:  wannabeeahack [ Mon Sep 15, 2008 7:57 am ]
Post subject: 
Brummie Cabbie wrote:
wannabeeahack wrote:
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...


And why do you think that might be?


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.
Author:  cabbyman [ Mon Sep 15, 2008 6:31 pm ]
Post subject: 
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.
Author:  Sussex [ Mon Sep 15, 2008 6:34 pm ]
Post subject: 
cabbyman wrote:
If such items are not covered, you would become liable for their loss.

Most insurances say you are insured for taxi/PH work. Can't see a court saying you must only carry punters.
Author:  cabbyman [ Tue Sep 16, 2008 5:53 pm ]
Post subject: 
cabbyman wrote:
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.


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.
Author:  fobie1 [ Mon Sep 22, 2008 2:18 am ]
Post subject: 
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.
Author:  grandad [ Mon Sep 22, 2008 6:27 am ]
Post subject: 
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."
Author:  cabbyman [ Mon Sep 22, 2008 6:09 pm ]
Post subject: 
grandad wrote:
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."


'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.]
Author:  wannabeeahack [ Mon Sep 22, 2008 6:14 pm ]
Post subject: 
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?
Author:  Sussex [ Mon Sep 22, 2008 6:46 pm ]
Post subject: 
wannabeeahack wrote:
i bet it doesnt

Well mine does.
Author:  wannabeeahack [ Mon Sep 22, 2008 6:56 pm ]
Post subject: 
Sussex wrote:
wannabeeahack wrote:
i bet it doesnt

Well mine does.


and what is your GIT level?
Author:  Sussex [ Mon Sep 22, 2008 6:58 pm ]
Post subject: 
wannabeeahack wrote:
and what is your GIT level?

As big a git as you can get. :wink:
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