Taxi Driver Online

Is it the insurance company that pays or the MIB ?

CC

And this is why the police in your area stopped crushing PH vehciles that were caught illegally plying for hire after doing two or three some years ago.

Because once the illegal act ceases their insurance is valid again.

The difference here is that if passengers have been injured in an accident in the circumstances I mention, then the insurance would pay out and no more would be heard so there would be no reference anywhere. If the passengers are injured and the insurance doesn't pay out, there would be a court case because the driver would be sued for the injuries.

Are you also saying that if the driver of a taxi or private hire vehicle with an illegal pick up onboard hits another vehicle, the driver of the other vehicle will not be able to claim for the damage to his vehicle?

There is a difference between the driver not being insured if they pick up illegally, and those punters being insured if an accident/incident take place during that hiring.

The punters are always covered, in the same way everyone is covered if they are injured by a non insured driver.

Scenario; two cars full with passengers, BOTH NOT INSURED, collide head on travelling at a combined approaching speed of 80mph.

All occupants of both vehicles seriously injured and requiring hospitalisation.

Are you saying the insurance companies will pay out?

If so, which one or ones?

I am only talking about licensed hackneys and private hire that have insurance. Even Sussex agrees that the passengers are always covered.

So what if in previous scenario both vehicles in collision were PH vehicles that had picked up illegally?

http://www.legislation.gov.uk/ukpga/1988/52/contents

148 Avoidance of certain exceptions to policies or securities.
E+W+S
(1)Where a certificate of insurance or certificate of security has been delivered under section 147 of this Act to the person by whom a policy has been effected or to whom a security has been given, so much of the policy or security as purports to restrict—

(a)the insurance of the persons insured by the policy, or

(b)the operation of the security, (as the case may be) by reference to any of the matters mentioned in subsection (2) below shall, as respects such liabilities as are required to be covered by a policy under section 145 of this Act, be of no effect.

(2)Those matters are—

(a)the age or physical or mental condition of persons driving the vehicle,

(b)the condition of the vehicle,

(c)the number of persons that the vehicle carries,

(d)the weight or physical characteristics of the goods that the vehicle carries,

(e)the time at which or the areas within which the vehicle is used,

(f)the horsepower or cylinder capacity or value of the vehicle,

(g)the carrying on the vehicle of any particular apparatus, or

(h)the carrying on the vehicle of any particular means of identification other than any means of identification required to be carried by or under [F1the Vehicle Excise and Registration Act 1994].

(3)Nothing in subsection (1) above requires an insurer or the giver of a security to pay any sum in respect of the liability of any person otherwise than in or towards the discharge of that liability.

(4)Any sum paid by an insurer or the giver of a security in or towards the discharge of any liability of any person which is covered by the policy or security by virtue only of subsection (1) above is recoverable by the insurer or giver of the security from that person.

(5)A condition in a policy or security issued or given for the purposes of this Part of this Act providing—

(a)that no liability shall arise under the policy or security, or

(b)that any liability so arising shall cease,

in the event of some specified thing being done or omitted to be done after the happening of the event giving rise to a claim under the policy or security, shall be of no effect in connection with such liabilities as are required to be covered by a policy under section 145 of this Act.

(6)Nothing in subsection (5) above shall be taken to render void any provision in a policy or security requiring the person insured or secured to pay to the insurer or the giver of the security any sums which the latter may have become liable to pay under the policy or security and which have been applied to the satisfaction of the claims of third parties.

(7)Notwithstanding anything in any enactment, a person issuing a policy of insurance under section 145 of this Act shall be liable to indemnify the persons or classes of persons specified in the policy in respect of any liability which the policy purports to cover in the case of those persons or classes of persons.

....Look at the CPS web site to see when a prosecution for ‘no insurance’ would be appropriate. It says: “Offences”. see Wilkonson on Road Traffic

My head hurts, I'm tired and it's too late!!

All of which means what exactly?