Saturday, November 07, 2015

London: TfL licence PHVs without Hire & Reward Insurance - Toronto: Insurer Cancels Policies Of UberX Drivers.

London's Licensing Authority TfL, appear to have swept under the carpet, the fact that many Uber drivers in London, do not have the required level of insurance. Everyday, we hear of more examples of accidents where the Uber driver doesn't have the righ insurance. 

Unlike licensed Taxi owners, there is no requirement for owners of PHVs to produce "Hire & Reward" insurance cover-note when presenting the vehicle for licensing. 

Earlier this year, the Managing Director or TfL went before a GLA transport committee and said Uber drivers have a form of switch on, switch off insurance. The UCG contacted the Association of British Insurerers and were told no such policy exists.

Meanwhile, in Toronto:

One of Canada’s largest insurance companies is cracking down on UberX drivers caught without proper commercial insurance, according to a leaked company bulletin.


“Driving for Uber is still considered commercial use and is unacceptable for personal vehicles,” says the internal Aviva Canada circular which reports weekly on examples of insurance fraud.

“It is therefore important that we continue to encourage our policyholders and applicants to be forthcoming and honest about the use of their vehicles. Without proper insurance, they are putting both themselves and others at risk.”

An unnamed “tipster” provided Aviva’s anti-fraud team with receipts including the names, photographs and licence plate numbers of four Uber X drivers in Ottawa. Investigators “uncovered a variety of explanations — or lack thereof — from our policyholders as to why they were not properly insured,” the bulletin says.

Aviva voided the policies of two drivers, lapsed another’s policy at renewal and agreed to rewrite the fourth driver’s policy after it was determined she had not deliberately misrepresented the intended use of her vehicle.


UberX drivers use their own vehicles to pick up and drop off fare-paying passengers using a smartphone app owned by Uber, the California-based ride-booking giant.

Gordon Rasbach, Aviva’s vice-president legal and fraud management, said a complaint from the Canadian Taxi Association about Uber drivers lacking proper insurance prompted the company to open a parallel investigation.

“The evidence we gathered confirmed that information provided by these policyholders at the time of application for insurance was not correct and appropriate underwriting action was taken,” he wrote in an email.

“We encourage Uber drivers to speak with their brokers or insurers regarding commercial automobile insurance. By ensuring they have the proper insurance; Uber drivers are protecting both themselves and their customers.”

UberX drivers caught lying could also potentially be hit with huge penalties and fines, and their personal assets put on the line, warns Philomena Comerford, president and CEO of Baird MacGregor Insurance Brokers LP. 

“Claims professionals are now on high alert and will dig deep in their investigation of claims if it is suspected or known that a vehicle is being used for UberX services.” 

An UberX driver without access to fleet insurance prices would likely have to pay about $23,000 a year for high-risk coverage, Comerford has previously estimated.

“We advise driver partners to consult with their personal auto insurer before driving on the platform,” Susie Heath, spokesperson for Uber Canada, wrote in email Friday. 

Since Uber’s arrival about a year ago, the licensed taxi industry estimates it has lost 40 per cent of its business. In a move to make the taxi industry more competitive, council voted in September to lower the base cab fare in Toronto to $3.25 from $4.25, effective Sunday.

The city estimates there are 500,000 UberX rides a month in Toronto.


Council also voted to bring Uber into its licensing regime and requested the company cease operating while staff draft a regulatory framework.

Licensing staff “notified Uber formally on Oct. 14 of the bylaw changes and that they would be subject to enforcement actions should they fail to comply,” according to Tracey Cook, executive director of licensing and standards.

“We remind people that UberX service is operating contrary to the city’s bylaw,” Cook wrote in an email. Anyone driving for UberX is “recommended that they notify their insurance companies of this fact. Passengers considering using the UberX service should also make themselves aware of any risks, including their rights in the event of an accident.”

Currently, 104 UberX drivers face 208 Toronto bylaw violations

source: www.thestar.com/



7 comments:

Anonymous said...

Things will only change when a celebrity, politician, prominent person or their spouse gets put in a wheelchair, coma or worse and to be quite honest I personally have past the point of caring. I have no sympathy whatsoever. I won't want to read about it in the paper, see it on the news, nor have any empathy. I will never be a witness to anything or for anyone.

I was born in London.

I do not have a criminal record.

I pay my taxes on time.

I have suffered the indignity of the being discriminated against whilst attempting to renew my license. My paper driving license and birth certificate was refused by the post office for renewal purposes. Contrary to the paperwork schedule supplied for renewal.

My MP ignored my correspondence.

My vehicle conforms to all regulations, including having the correct insurance.

I supply the general public with a standard of service world renowned.

I speak english.

I have passed a driving test to operate a PSV, overseen by the Metropolitan Police.

I hold a full UK driving licence, driving test taken in the UK.

I can fill in all forms of paperwork without the aid of and assigned helper.



ANYONE FROM ANYWHERE IN THE WORLD CAN OBTAIN A PH LICENCE AND WORK FOR UBER IN LONDON WITHOUT CONFORMING WITH THE ABOVE. ALL THEY NEED IS A UK DRIVING LICENCE AND A LETTER OF GOOD CONDUCT FROM THEIR CONSULATE OR EMBASSY - COST, APPROX £20. THEY DO NOT EVEN NEED THE CORRECT INSURANCE.

MY CIVIL LIBERTIES ARE AND HAVE BEEN VIOLATED. IF YOU ARE BORN IN THIS COUNTRY - IN THE EYES OF THE DBS, TFL AND THE BRITISH GOVERNMENT, YOU ARE SECOND CLASS CITIZEN IN YOUR OWN COUNTRY AND EQUALITY DOESN'T EXIST!!!

ANARCHISTS HAVE MORE RIGHTS THAN LAW ABIDING TAXI DRIVERS IN LONDON

Anonymous said...

Can't argue with that.....can you ? Blinding post !

Semtex.

Battersea bob said...

Mr anonymous you are not on your own with your feelings .bless you.i don't know what the answer is,TFL seem intent on ruining our beautiful trade but they didn't count on our strength of resilience.we will beat these corrupt people ,we will.the public are now getting wise to uber.

Anonymous said...

My wife is having a baby... quick hail a black cab

A member of my staff has cut themselves badly in the restaurant kitchen... quick hail a black cab

I'm late for an appointment and haven't got a clue where the building is... I know, i'll hail a black cab

A man is following me in New North Rd, I haven't got any money... I know, i'll hail a black cab, he will help me. And he did!

I'm pissed, separated from my friends, I'm distraught, helpless, lost and have no money. I'm wearing a mini skirt - I'm young and men are learning at me... I know, I will stop a black cab, ball my eyes out, he will help me. And he did!

We are two Canadian women, a PH tout picked us up in the West End and has assaulted me and my daughter - he can't find our hotel and has snached my hadbag from me and is rifling through it for money... I know, i'll run to the Licensed Taxi over the road, he will help me. And he did, and the tout was arrested.

All of us now have UBER accounts, as well as our grateful friends, family, husbands and boyfriends. We always use UBER when we go out now. But we know when we are in the complete shit, we can alway hail a black cab!

In future people WILL be asked nicely... Do you have and UBER account ? And if they do, the answer will be... F*#K you!!!



Anonymous said...

British insurance companies are aware that PH drivers, especially Uber are fraudulently insuring their vehicles with the incorrect insurance then using the vehicle for Hire and Reward. Surely it should be standard to ask if the vehicle is registered as a PH vehicle. If not and the loophole isn't plugged, the insurers are as guilty as the individual driving for hire and reward with NO insurance. Not driving with the wrong insurance; driving WITHOUT insurance. The British Insurance Brokers Association should be held accountable, if not named and shamed as part of the fraud.

Driving a vehicle, knowingly making a false declaration to obtain insurance fraudulently with the intent to deceive. Why isn't TFL checking ALL PH driver policies in the interest of public safety ?

All licensed Taxis have to have hire and reward insurance, which comes with a personal use clause.
If licensed London Taxi drivers were pulling a scam like this plod and TPH would be all over us like hairs on a bear, and no doubt revoking drivers licenses in their droves!

It's the blind eye policy all over again, and the corrupt institutions are all in it together, including the insurers!

Anonymous said...

Anyone hurt or has damage caused by uninsured Uber should find a ambulance chaser and sue the insurance company that supplied the inadequate insurance. Companies that are in the business of supplying collision insurance should be due diligent at the point of sale. All loopholes must be plugged. No excuses!

Anonymous said...

I've seen a police program where they nicked a bloke delivering pizzas in his spare time and throw the book at him for not having the correct insurance to do it all seems very strange that no one cares about ph drivers doing the same