Bus / Train Insurance [Merged]
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Kiko4564
Posts: 217 Forumite
If someone has a ticket for their journey, but they remain onboard after the train is taken out of service and runs Empty Coaching Stock (ECS) i.e. not in service, then will still be insured? A scenario where this would be relevant might include a derailment resulting in injury to that passenger, particularly if subsquently followed by a collision.
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In this scenario a person, who I shall call John, boards a bus without being in possession of a ticket. He intends on travelling on the bus without paying for a bus ticket unless challenged i.e. expressly asked, for the money. On boarding the bus, John just walks straight past the driver instead of stopping at the driver's cab, and buying a ticket from them. The bus driver decides not to pursue John for the fare and just decides to Forget It, Drive On. John has no other defence to his actions e.g. a sign stating that tickets could be bought from a conductor once onboard the bus, or the driver waving him onto the bus without first selling him a ticket. What if the bus, operated by a bus company First Eastern Counties, is involved in an incident which results in John being injured e.g. the bus collides with another vehicle. He contacts First Eastern Counties to demand compensation for his resulting injuries, and has medical evidence as he attended the ED (Emergency Department) on the same day. Do First Eastern Counties have a come back as he didn't pay his fare before travelling? Will their insurance still payout if they claim on it? What would happen in practice? Thank you.0
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If a train was taken out of service ALL passengers on board would be removed so other than the driver and guard/conductor no one else would/could be in that situation and both the driver/guard/conductor would be covered due to the t&c of employment1
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If someone has a ticket for their bus journey, but they remain onboard after the bus is taken out of service and runs as a so called "dead bus" i.e. not in service, then will still be insured? A scenario where this would be relevant might include a collision with another vehicle resulting in injury to that passenger.0
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London50 said:If a train was taken out of service ALL passengers on board would be removed so other than the driver and guard/conductor no one else would/could be in that situation and both the driver/guard/conductor would be covered due to the t&c of employment0
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I would expect that public liability insurance remains in place except for situations where the train company senior management is negligent. So in all of the examples in the previous post, the public liability insurance would remain in place.The comments I post are my personal opinion. While I try to check everything is correct before posting, I can and do make mistakes, so always try to check official information sources before relying on my posts.0
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You seem to have an unhealthy obsession with odd public transport scenarios and ways of getting money out of them.
You aren't trying to come up with a new crash for cash scenario by any chance?0 -
I think FEC would settle for a reasonable sum and won't worry about evidence of having had a ticket. Not everyone on the bus will be able to produce their ticket. If John was particularly badly injured because he was being reckless at the time of the accident (e.g. larking about), the compensation might be reduced. If other people were injured to a similar degree, it seems unlikely that the compensation would be reduced.
But perhaps John might like to pay for his ticket next time?The comments I post are my personal opinion. While I try to check everything is correct before posting, I can and do make mistakes, so always try to check official information sources before relying on my posts.0 -
Also perhaps our OP should find something more worthwhile to do with their time than asking questions that would more than likely never happen0
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Kiko4564 said:London50 said:If a train was taken out of service ALL passengers on board would be removed so other than the driver and guard/conductor no one else would/could be in that situation and both the driver/guard/conductor would be covered due to the t&c of employment2
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OP just keep away from trains and "buses" as per your other post and stop trying to think up ways of getting Compo and you will be ok. In fact with current crises stay inside and watch tv or a VIDEO?The world is not ruined by the wickedness of the wicked, but by the weakness of the good. Napoleon2
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