MR T wrote:
insurance rates are different all-round the country
I think Sussex and everyone is well aware of the "post code" insurance lottery and the fact that individual driving frailties play a major part in determining the premiums of a prospective customer, however I suspect his comments were aimed at like for like and under those circumstances there is no reason why insurance premiums should be any higher in Liverpool than Sefton unless Liverpool is classed as a war zone?
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BUT.. and it is a big but... the insurance companies as far as Liverpool are concerned are not interested in where you actually live but set the rate because you have a Liverpool plate and work in Liverpool obviously.
We can take that as Gospel can we? I presume you got that straight from the horses mouth or do you have a different source that you prefer not to name? If that be the case then taxi insurance companies must view Liverpool as a high risk area and no doubt other areas of high or even higher risk will pay a similar premium to Liverpool if not more? Therefore one assumes that there will be Taxi areas in the UK that are far more dangerous than Liverpool which in turn would make taxi driver premiums higher than those in Liverpool?
Perhaps sometime in the future we can get a comment from one of these insurance companies substantiating your comments? However as I previously said, "under your formula there are areas in the UK with far higher premiums than Liverpool".
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A lot of Liverpool drivers have said to me that they cannot compete against a government subsidised private hire company.

Can you explain a Government subsidised private hire company or is it just the fact that LTI vehicles are over priced and less economical to run, which in turn means drivers are handicapped by having no choice of vehicle running costs?
I seem to recall it was the Liverpool T&G who fought tooth and nail to exclude all vehicles from being a hackney carriage that didn't comply with the outdated turning circle condition. Therefore Liverpool cab drivers can't really argue their corner on economics because they desired to exclude vehicles that would make them competitive. They could also remedy the situation at a stroke, if they so desired?
Any other non points you wish to raise?
Regards
JD