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Overlapping insurance policies...

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  • arcon5
    arcon5 Posts: 14,099 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker
    In some areas yes, in some areas, no. It depends on the licensing district, and even then, some of the taxi companies won't touch it.

    I think its more to do with the insurer tbh, at least in my area. The garage that maintain the fleet of about 30 have 'any driver' insurance for the lot so can be driven my licensed drivers as well as the owner and his mechanics.
    My main concern, and this hasn't been addressed, is if the car is licensed for the purpose of carrying passengers (Hackney Carriage/Private Hire), then will the vehicle continue to be plated.

    To clarify, its a private hire vehicle so no top sign, just magnetic stickers on side. But technically the vehicle will be plated as per councils records (expires a week after insurance) but no plates visible on vehicle as no longer used for hire and reward.

    There's nothing relevant on the paperwork I signed regarding this.


    I recall you are actually an operator aren't you? Ill bear what you said in mind and seek clarification from my council.
  • CKhalvashi
    CKhalvashi Posts: 12,134 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    arcon5 wrote: »
    I think its more to do with the insurer tbh, at least in my area. The garage that maintain the fleet of about 30 have 'any driver' insurance for the lot so can be driven my licensed drivers as well as the owner and his mechanics.

    Again, that seems a little strange from my experience of licensing, but at the same time your local council may allow it. Anyone that drives one of our vehicles has to have the correct licenses, and as you're probably aware, that includes a fleet of band buses in London (completely separate company), which for legal purposes are PHV's, licensed with the PCO.

    The easiest way to do this may be to hand the plate back.
    To clarify, its a private hire vehicle so no top sign, just magnetic stickers on side. But technically the vehicle will be plated as per councils records (expires a week after insurance) but no plates visible on vehicle as no longer used for hire and reward.

    Again, there should be no plate available for your use, unless the vehicle is insures for H&R. I do respect your opinions on the forum, so I'm in no way suggesting that you would, however in legal terms, the plate will be subject to H&R insurance, so no insurance = plate goes back.

    Both of the licensing authorities I deal with (East Herts and PCO/TFL) are very hot on this, but I do appreciate that some (Bristol coming to mind here) may not be.
    I recall you are actually an operator aren't you? Ill bear what you said in mind and seek clarification from my council.
    Yes I am; around 40% of our fleet is PH.

    If in doubt, it's always best to check, but my interpretation of the licensing rules, at least down here, is that it doesn't matter if the plate is not on the back of the car, it's always a licensed vehicle if there's a valid plate that hasn't been surrendered.

    CK
    💙💛 💔
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