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If one reads the terms & conditions of an insurance policy document to ascertain what is and what is not covered then it's pretty straightforward. Unfortunately few people seem to bother and just sign anything and pay the premium.How come insurance is never straightforward?
Hi,
if i were to transport kids (and sometimes their parents) in my car for money- what sort of car insurance would i need? Would i be better off getting a hackney licence/insurance?
Can’t answer your question directly, but make sure if you’re transporting children (or adults for that matter), that everyone is sitting on a fixed seat. If anyone is not on a fixed seat (eg sitting in the boot or on someones lap) and is then injured in an accident, you’re personally liable for their injuries, not your insurance company. (Republic of Ireland Only)
Maybe so, but remember the case that hit the papers a few months back. An uninsured driver had a women sitting in the back floor of a transit van, no fixed seating, he was drunk & crashed & she proceeded to claim off him for personal injuries, even though she knew he was drunk & the van wasn't insured. It was ruled that MIAB would pay her injury claims not the driver of the van.
Only in Ireland
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