Help me with inflexible company please!

pastra

dacouch wrote: »

What is your next gem going to be? Hire and Reward policies for nannies / au pairs

No as the parents would be the insured and owner of the vehicle they would be the user of the vehicle the nannie would only be the driver.

raskazz

pastra wrote: »

The passengers don't directly have to make payment for the service, for hire and reward to apply. Are you assuming these trips are unplanned? What if its a fundamental of the job?

What if it is? Surely you must realise that if such activities were classed as hire and reward, the schools would insist not merely on the addition of Business Use to the driver's policy, but also that the car be plated by the relevant council and drivers be licensed for private hire?!!

In any case, I'd love to know how you came to the conclusion that the OP "requires a version of hire and reward not standard business use" purely on the basis that the OP said that they may, rarely, have to travel between locations with a colleague or pupil on board.

pastra

raskazz wrote: »

What if it is? Surely you must realise that if such activities were classed as hire and reward, the schools would insist not merely on the addition of Business Use to the driver's policy, but also that the car be plated by the relevant council and drivers be licensed for private hire?!!

In any case, I'd love to know how you came to the conclusion that the OP "requires a version of hire and reward not standard business use" purely on the basis that the OP said that they may, rarely, have to travel between locations with a colleague or pupil on board.

That wouldn't fall into any of the plates issued to taxi's.

raskazz

pastra wrote: »

That wouldn't fall into any of the plates issued to taxi's.

What? If a vehicle is to be used for private hire it has to be plated. Do you really know anything about this subject? I fear not.

dacouch

pastra wrote: »

No as the parents would be the insured and owner of the vehicle they would be the user of the vehicle the nannie would only be the driver.

What about if the nanny or au pair had their own car they used or sometimes used for work?

pastra

raskazz wrote: »

What if it is? Surely you must realise that if such activities were classed as hire and reward, the schools would insist not merely on the addition of Business Use to the driver's policy, but also that the car be plated by the relevant council and drivers be licensed for private hire?!!

In any case, I'd love to know how you came to the conclusion that the OP "requires a version of hire and reward not standard business use" purely on the basis that the OP said that they may, rarely, have to travel between locations with a colleague or pupil on board.

Because most teachers who require to carry pupils seek cover through scemes as the law states the the school is legally liable for injury to children while in the car with a teacher and will look for the insurer to take full responsibilty for third party injury. I am sure the broker talk would be "loco parentis"

pastra

raskazz wrote: »

What? If a vehicle is to be used for private hire it has to be plated. Do you really know anything about this subject? I fear not.

I didn't say that, you assumed! again

pastra

dacouch wrote: »

What about if the nanny or au pair had their own car they used or sometimes used for work?

That would be incidental use not fundamental so isn't a strong example.

raskazz

pastra wrote: »

Because most teachers who require to carry pupils seek cover through scemes as the law states the the school is legally liable for injury to children while in the car with a teacher and will look for the insurer to take full responsibilty for third party injury. I am sure the broker talk would be "loco parentis"

I really do not understand what point you are trying to make here, or even if there is one.

Most teachers who are required to carry pupils do not seek cover through 'schemes' - they add business use to their normal private car policy.

I restate. If such activities were classed as 'hire and reward' then schools would not require only the addition of business use to the driver's policy before letting them carry colleagues/pupils. They would require private hire insurance, the vehicle to be plated for carriage of passengers for hire and reward, and that the driver be licensed as a private hire driver. As they do not require such things, I think it is pretty damn obvious that such activities are NOT hire and reward.

pastra

raskazz wrote: »

I really do not understand what point you are trying to make here, or even if there is one.

Most teachers who are required to carry pupils do not seek cover through 'schemes' - they add business use to their normal private car policy.

I restate. If such activities were classed as 'hire and reward' then schools would not require only the addition of business use to the driver's policy before letting them carry colleagues/pupils. They would require private hire insurance, the vehicle to be plated for carriage of passengers for hire and reward, and that the driver be licensed as a private hire driver. As they do not require such things, I think it is pretty damn obvious that such activities are NOT hire and reward.

Ok broker, study your CII and continue to call yourself a underwriter as you sell policies underwritten by others on your behalf. I assume like you do that you don't actually underwrite anything just collect the info for others.