miss sold car insurance

enerosar

I am a car mechanic with full insurance to cover customers car in may car


on my insurance it say covered to drive any motor vehicle ( excluding motorcycles are more seating capacity in excess of 8 seats ) the property of the insured or in the custody or control for the motor trade purposes .


{ limitation as to use }
social ,domestic and pleasure of the Insured and in connection with the motor trade business
Excluding Commercial travelling ,hiring,letting on hire, the carriage of passengers or goods for hire or reward


I had this insurance now for 4 year with the same on it
I renewed on the 27/9/2014 I then rang up the insurance as I now repair taxis ( been repair private hires for 3 year ) to be told I not covered for a hire are reward vehicle at all ???


no where it say this only I not allowed to use for hire are reward but I be driving it to repair not pick up people


plz help as now the insurance had been close but getting told I owe over 300 pound so it will have cost 800 pound from 27/9/2014
full cover was only 998.87

dacouch

enerosar wrote: »

I am a car mechanic with full insurance to cover customers car in may car


on my insurance it say covered to drive any motor vehicle ( excluding motorcycles are more seating capacity in excess of 8 seats ) the property of the insured or in the custody or control for the motor trade purposes .


{ limitation as to use }
social ,domestic and pleasure of the Insured and in connection with the motor trade business
Excluding Commercial travelling ,hiring,letting on hire, the carriage of passengers or goods for hire or reward


I had this insurance now for 4 year with the same on it
I renewed on the 27/9/2014 I then rang up the insurance as I now repair taxis ( been repair private hires for 3 year ) to be told I not covered for a hire are reward vehicle at all ???


no where it say this only I not allowed to use for hire are reward but I be driving it to repair not pick up people


plz help as now the insurance had been close but getting told I owe over 300 pound so it will have cost 800 pound from 27/9/2014
full cover was only 998.87

It's most likely due to the local authority licencing requirements of private hire and hackney carriage vehicles eg many specifically only licence the declared drivers to drive the vehicle. If this is the case you may be breaching the licencing if you drive it.

In addition the motortrade Insurer may not want to run the risk of picking up a claim for you using the car as a taxi.

Incidently your motortrade policy will generally have a list of other vehicles they either don't cover or restrict cover on

Marktheshark

You can only drive it with the hire plates removed and if it has an MOT.
It then is not a private hire car until the plates go back on.
Many do not have MOT, the council issue a certificate of compliance.
Only licensed drivers may drive under it.

arcon5

I don't see how they can get out of this, the vehicle would be driven in connection with your trade and this type of vehicle is not listed as an exclusion (assuming you've checked). You are not using the vehicles for the purpose of hire and reward

enerosar

I know about the cars having no mot but and the local council rule but inc saying I not inc on taxi at all as its a commissions vehicle no where in my information it say this only I can drive up to 7.5 ton inconnection with the motor trade

enerosar

I know have a new inc and check there roles and as long as its in connection with the motor trades I can drive a taxi with no mot ,not a problem as the taxi has a taxi test ( mot ) for the local authorities

arcon5

Don't understand a word of the above post.

dacouch

If the Insurers told you that you're not covered for taxi's on the phone does it state this in your paperwork?

Not just the certificate but the schedule and policy wording

Which Insurer are you with?

Ectophile

The way I read the sentence "Excluding Commercial travelling ,hiring,letting on hire, the carriage of passengers or goods for hire or reward" is that you are not allowed to drive a taxi as a taxi driver. That is, you can't pick up paying passengers or operate a courier service.

I see nothing that stops you driving the vehicle to and from your garage.