Bus / Train Insurance [Merged]

Hasbeen

London50 said:

Also perhaps our OP should find something more worthwhile to do with their time than asking questions that would more than likely never happen

Suspect OP has never found anything worthwhile to do?  

Hasbeen

unforeseen said:

You seem to have an unhealthy obsession 

Agreed. 

Kiko4564

In this scenario a person, who I shall call John, boards a train at a station with a staffed ticket office. He has no other defence to his actions e.g. a sign stating that tickets could be bought onboard the train. He intends on travelling on the railway without paying for a train ticket unless challenged i.e. expressly asked, for the money. Let's say the train, operated by say Southeastern, is involved in an incident which results in John being injured e.g. the train derails. He contacts Southeastern to demand compensation for the injuries, and has medical evidence as he attended the ED (Emergency Department) on the same day. Do Southeastern 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.

Hasbeen

Kiko4564 said:

In this scenario a person, who I shall call John, boards a train at a station with a staffed ticket office. He has no other defence to his actions e.g. a sign stating that tickets could be bought onboard the train. He intends on travelling on the railway without paying for a train ticket unless challenged i.e. expressly asked, for the money. Let's say the train, operated by say Southeastern, is involved in an incident which results in John being injured e.g. the train derails. He contacts Southeastern to demand compensation for the injuries, and has medical evidence as he attended the ED (Emergency Department) on the same day. Do Southeastern 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.

These from your other 3 posts today, might condense any replies for you?  

1/ 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.

2/ 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.

3/ 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.

k3lvc

Kiko4564 said:

In this scenario a person, who I shall call John, boards a train at a station with a staffed ticket office. He has no other defence to his actions e.g. a sign stating that tickets could be bought onboard the train. He intends on travelling on the railway without paying for a train ticket unless challenged i.e. expressly asked, for the money. Let's say the train, operated by say Southeastern, is involved in an incident which results in John being injured e.g. the train derails. He contacts Southeastern to demand compensation for the injuries, and has medical evidence as he attended the ED (Emergency Department) on the same day. Do Southeastern 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.

Oh Kiko how we've missed you and your issues with public transport - have you ever considered buying a trainset to entertain yourself without all the legal/ethical issues you seem to dream up 

KeithP

Kiko4564, study the terms of your insurance to find the answer.

Who are you insured with?

Kiko4564

KeithP said:

Kiko4564, study the terms of your insurance to find the answer.

Who are you insured with?

I'm not, the question concerns the Train Operating Companies insurance.

London50

You do not seem to understand how these companies work {train or bus} and regarding the train companies no driver/guard or conductor will allow ANY person on the train to remain onboard if it is taken out of service.Toilet doors would be opened to check,anyone refusing to leave would be physically removed and each compartment would be closed off .Then {and only then}once it is empty the train will then move out,until that point the train will remain at the platform or point that it was deemed a problem.
 I think you need to find better things to do with your time as you will have more chance of being kick to death by donkeys than finding yourself in any situation you are posting on this forum.
{Roll on the schools reopening so that children get sent to bed at a proper time}

KeithP

Kiko4564 said:

KeithP said:

Kiko4564, study the terms of your insurance to find the answer.

Who are you insured with?

I'm not, the question concerns the Train Operating Companies insurance.

Then why are you bothered about whether or not they are insured?

If you think you have a claim, then claim from them. Whether they are insured or not is not your concern. You claim from the TOC who may or may not pass on the claim to their insurer.

In other words, your question is flawed.

Kiko4564

KeithP said:

Kiko4564 said:

KeithP said:

Kiko4564, study the terms of your insurance to find the answer.

Who are you insured with?

I'm not, the question concerns the Train Operating Companies insurance.

Then why are you bothered about whether or not they are insured?

If you think you have a claim, then claim from them. Whether they are insured or not is not your concern. You claim from the TOC who may or may not pass on the claim to their insurer.

In other words, your question is flawed.

Alright, I accept that. Maybe I should've asked a different question instead. I'll leave it at that.