Does operating cross border invalidate taxi and private hire insurance?
Cross border hiring is severely affecting both private hire and public hire drivers across the country. London black cab drivers will tell you that they see Uber drivers from as far afield as Manchester and Sheffield operating at weekends in the capital.Private hire operators in the west country, south coast and midlands complain about PCO licenced vehicles accepting jobs in their regions. Donna Short of the National Private Hire Association states that it’s the number one issue, “affecting the majority of licence holders in the majority of licensing authorities.” Many of her association’s members have been in touch to ask whether out of area drivers are insured when carrying passengers outside of the area their licence has been issued in? She subsequently contacted us to ask for clarification. The below blog attempts to answer her questions and those of the many drivers who have been in touch on social media regarding the subject. Click on a header below to jump to a specific section:
- The Deregulation Act 2015
- Why do private hire and taxi drivers operate across borders?
- If a private hire or taxi vehicle is working wholly outside the district that granted the vehicle its licence, does this invalidate its insurance cover?
- How can the insurance industry help stop cross border hiring?
- How will cross border hiring affect private hire and taxi drivers insurance costs?
- Is a national Private Hire and Taxi licencing body needed?
- Uninsured drivers also affect insurance costs