Question??

MR T · **Joined:** Thu Sep 07, 2006 8:26 pm **Posts:** 8529

Quote:

Whilst the insurance certificate will not stipulate which area you are insured for, the public hire policy document, and for that matter every motor insurance policies document in the land, does not and will not cover you for an illegal act. So I can see a potential prosecution for not being insured, IF a Hackney Carriage picks up illegally off a street anywhere other than within its own licensed area.

I can insure a private hire vehicle so that it can pick up off the road.......

gusmac · **Posted:** Fri Jun 17, 2011 6:52 pm

MR T wrote:

Quote:

Whilst the insurance certificate will not stipulate which area you are insured for, the public hire policy document, and for that matter every motor insurance policies document in the land, does not and will not cover you for an illegal act. So I can see a potential prosecution for not being insured, IF a Hackney Carriage picks up illegally off a street anywhere other than within its own licensed area.

I can insure a private hire vehicle so that it can pick up off the road.......

You could insure it with a value of £10 million, doesn't mean they will give you £10 million if it gets nicked........

MR T · **Joined:** Thu Sep 07, 2006 8:26 pm **Posts:** 8529

gusmac wrote:

MR T wrote:

Quote:

Whilst the insurance certificate will not stipulate which area you are insured for, the public hire policy document, and for that matter every motor insurance policies document in the land, does not and will not cover you for an illegal act. So I can see a potential prosecution for not being insured, IF a Hackney Carriage picks up illegally off a street anywhere other than within its own licensed area.

I can insure a private hire vehicle so that it can pick up off the road.......

You could insure it with a value of £10 million, doesn't mean they will give you £10 million if it gets nicked........

The point is.... that if the vehicle is insured for picking up off the street. then it cannot be prosecuted for not having the appropriate insurance.... the driver can be prosecuted for breaking his condition of licence...... which I believe is only a fine.....

MR T · **Joined:** Thu Sep 07, 2006 8:26 pm **Posts:** 8529

blackpool · **Joined:** Wed Sep 30, 2009 10:37 pm **Posts:** 2406

Most of these comments are pretty irelevant ? Whats 10 million got to do with it ? How many hackneys actually get prosecuted for touting ? How many times do you get a pull for plying when not sitting on a rank ? There all misdemeaners at the best,have actually been to court many moons ago over touting in a hackney and the magistrate threw it out,very hard to prove, i could have just been discusing the fare :wink:

Sussex · **Posted:** Fri Jun 17, 2011 8:17 pm

MR T wrote:

We know the driver is guilty of an offence... but now what is the penalty..... :wink:

We had this discussion two years ago.

http://www.taxi-driver.co.uk/phpBB2/vie ... p?p=155185

Sussex · **Posted:** Fri Jun 17, 2011 8:19 pm

MR T wrote:

I can insure a private hire vehicle so that it can pick up off the road.......

Struggle to pick up in the air.

Insurance companies might cover for this that and the other, but they can't cover you for by-law contraventions, or unlawful hirings.

Sussex · **Posted:** Fri Jun 17, 2011 8:20 pm

blackpool wrote:

Most of these comments are pretty irelevant ?

Irrelevant comments on a taxi forum? Surely not? :shock:

MR T · **Joined:** Thu Sep 07, 2006 8:26 pm **Posts:** 8529

Sussex wrote:

MR T wrote:

I can insure a private hire vehicle so that it can pick up off the road.......

Struggle to pick up in the air.

Insurance companies might cover for this that and the other, but they can't cover you for by-law contraventions, or unlawful hirings You can't prosecutor a person for being uninsured when he is.....
well you can..... but you lose

MR T · **Joined:** Thu Sep 07, 2006 8:26 pm **Posts:** 8529

MR T · **Joined:** Thu Sep 07, 2006 8:26 pm **Posts:** 8529

Sussex wrote:

MR T wrote:

We know the driver is guilty of an offence... but now what is the penalty..... :wink:

We had this discussion two years ago.

http://www.taxi-driver.co.uk/phpBB2/vie ... p?p=155185

you did I didn't :wink:

Brummie Cabbie · **Posted:** Sat Jun 18, 2011 1:57 pm

MR T wrote:

Sussex wrote:

MR T wrote:

I can insure a private hire vehicle so that it can pick up off the road.......

Struggle to pick up in the air.

Insurance companies might cover for this that and the other, but they can't cover you for by-law contraventions, or unlawful hirings You can't prosecutor a person for being uninsured when he is.....
well you can..... but you lose

No you wouldn't lose, because no insurance will ever insure you for an illegal act.

2 Jobs · **Posted:** Sat Jun 18, 2011 4:45 pm

MR T wrote:

Quote:

Whilst the insurance certificate will not stipulate which area you are insured for, the public hire policy document, and for that matter every motor insurance policies document in the land, does not and will not cover you for an illegal act. So I can see a potential prosecution for not being insured, IF a Hackney Carriage picks up illegally off a street anywhere other than within its own licensed area.

I can insure a private hire vehicle so that it can pick up off the road.......

There is the point that your insurance policy will pay out if you have an accident when you were speeding, ran a red light or were drunk. All illegal acts of course.

There are also some insurance co's that will provide sd&p cover for wives to drive a taxi even when they don't hold a hack or PH license. We all know this is strictly illegal but those that will do this, say as long as the council are OK about it then they are too. Yes, some councils seem to ignore the law! I come across this quite regularly.

MR T · **Joined:** Thu Sep 07, 2006 8:26 pm **Posts:** 8529

2 Jobs wrote:

MR T wrote:

Quote:

Whilst the insurance certificate will not stipulate which area you are insured for, the public hire policy document, and for that matter every motor insurance policies document in the land, does not and will not cover you for an illegal act. So I can see a potential prosecution for not being insured, IF a Hackney Carriage picks up illegally off a street anywhere other than within its own licensed area.

I can insure a private hire vehicle so that it can pick up off the road.......

There is the point that your insurance policy will pay out if you have an accident when you were speeding, ran a red light or were drunk. All illegal acts of course.

There are also some insurance co's that will provide sd&p cover for wives to drive a taxi even when they don't hold a hack or PH license. We all know this is strictly illegal but those that will do this, say as long as the council are OK about it then they are too. Yes, some councils seem to ignore the law! I come across this quite regularly.

I haven't been talking about the financial side of insurance.... I had merely pointed out that you can't be prosecuted for not having the appropriate insurance when you have... most private hire insurance policies insure that vehicle for private hire only, so if he picks up off the street, he invalidates that insurance... which then means he does not have insurance...

MR T · **Joined:** Thu Sep 07, 2006 8:26 pm **Posts:** 8529

Brummie Cabbie wrote:

MR T wrote:

Sussex wrote:

MR T wrote:

I can insure a private hire vehicle so that it can pick up off the road.......

Struggle to pick up in the air.

Insurance companies might cover for this that and the other, but they can't cover you for by-law contraventions, or unlawful hirings You can't prosecutor a person for being uninsured when he is.....
well you can..... but you lose

No you wouldn't lose, because no insurance will ever insure you for an illegal act.

I have a fleet policy... I have hackney and private hire on the same policy.. exactly the same insurance.... and over the last 20 years have been in court a number of times because a driver has picked up off the road.... they have never been prosecuted successfully for no insurance.

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