Business Interuptus

[mercenary for hire]

If we were paying enough tax we'd be on the higher rates of PUP.Best not to rock the boat.

[john m]

If we were paying enough tax we'd be on the higher rates of PUP.Best not to rock the boat.

I pay my correct tax .The reason im on the lower PUP is because of Car payments a new meter and decals .I changed my car unfortunately the year we were assessed on .

[mercenary for hire]

Maybe that's the anomaly we need to sort with revenue and welfare rather than chasing insurance companies through the courts then getting told to feck off.

[Octavia1]

If yur business is  down cause of an accident caused by someone else ....dont yu get paid by the " someone elses " insurance?  The downtime money I mean  Wats this got to do wit antin ?
Ah here I'm going back to bed 

[watty]

https://www.axa.ie/axa-insurance-downloads/
You can download their taxi T&C's at the link above.  There's about 5 different T&C's going back to 2016.

I never understand these docs but I don't see anything about them paying us a daily rate if our taxi is damaged etc.  There is this under 'Fire and theft' & it's in all the docs going back to 2016:

What’s not covered
1. Losses you sustain through not being able to use your vehicle (including the cost of hiring another vehicle).

And just in case you were wondering, we're not covered if the taxi is damaged by radioactivity or an act of war!

[silverbullet]

https://www.axa.ie/axa-insurance-downloads/
You can download their taxi T&C's at the link above.  There's about 5 different T&C's going back to 2016.

I never understand these docs but I don't see anything about them paying us a daily rate if our taxi is damaged etc.  There is this under 'Fire and theft' & it's in all the docs going back to 2016:

What’s not covered
1. Losses you sustain through not being able to use your vehicle (including the cost of hiring another vehicle).

And just in case you were wondering, we're not covered if the taxi is damaged by radioactivity or an act of war!

I'd a claim in 2010 the accepted per day payment was €75.00

[john m]

Thats sort of the point I was making Watty {1. Losses you sustain through not being able to use your vehicle (including the cost of hiring another vehicle}.Dear Mr Axa due to government directive on Social Distancing I was not able to use my vehicle ..Remember Pubs being locked down was not a Law but a Government Health Directive .

It dosent say what reason you cannot use your vehicle just that you cannot use it ?

[Shallowhal]

But you're classed as an essential service John and not exempt from working unlike pubs/restaurants who have been directed to close....take a court case and see what happens.

[john m]

But you're classed as an essential service John and not exempt from working unlike pubs/restaurants who have been directed to close....take a court case and see what happens.

Hal did you ever wonder why in the Last Budget Taxi drivers got their own bit .They were allowed earn .Any chance we had of Claiming we could not work due to Government Guidelines was undermined when Taxi Industry Reps asked for Special treatment .Be interesting to see what other industries make insurance claims .

[john m]

At the beginning of his 214-page judgment, Justice Denis McDonald said he was “struck, quite forcefully” by the realisation that people who take out insurance might never truly know what they are signing up for.

The pubs-versus-FBD case shows how any policy is open to interpretation, after four business owners were forced to spend 11 days in the Commercial Court arguing the meaning of everyday words.

Chris Kelly, owner of Sinnotts Bar, said in his evidence that the policy was in “simple English”, but this detailed judgment shows nothing is straightforward with the English language when it comes to insurers parting with money.

[watty]

I'd a claim in 2010 the accepted per day payment was €75.00

The docs in the link I quoted start at 2016.  Maybe nothing's changed or maybe something changed between 2010 and 2016?  I don't know 'cause I never  understand these docs.

[silverbullet]

I'd a claim in 2010 the accepted per day payment was €75.00

The docs in the link I quoted start at 2016.  Maybe nothing's changed or maybe something changed between 2010 and 2016?  I don't know 'cause I never  understand these docs.

Prior to the economic crisis it was €90.

[Shallowhal]

I'd a claim in 2010 the accepted per day payment was €75.00

The docs in the link I quoted start at 2016.  Maybe nothing's changed or maybe something changed between 2010 and 2016?  I don't know 'cause I never  understand these docs.

Prior to the economic crisis it was €90.

Nothing like a crisis for some companies to profit from.

[john m]

I wont be writing to the Insurance ombudsman but I would hope some of the Professional bodies or Professional Dispatchers would employ a legal expert to ask the Insurance ombudsman to review and determine the meaning and legal status of our Insurance .No need to go to court .I spoke to a fella in the insurance industry and he says that most insurance companies changed the wording of some policies that were renewed after April and that was part of the FBD case that some policies were not amended after renewal so the old terms and conditions covering outbreaks of Dizzease were still valid .He says the original provision was meant to insure pubs against local lockdown mainly involving local foot and mouth outbreaks where local lockdowns were employed and a radius of 25 Km around it .That was what FBD were trying to say that as it was not a local lockdown it was not covered by the policy .He asked did I get a Booklet or policy statement with my renewal or just a renewal certificate .He said if there was a Fundamental change in what was covered we should of been made aware .

[silverbullet]

I'd a claim in 2010 the accepted per day payment was €75.00

The docs in the link I quoted start at 2016.  Maybe nothing's changed or maybe something changed between 2010 and 2016?  I don't know 'cause I never  understand these docs.

Prior to the economic crisis it was €90.

Nothing like a crisis for some companies to profit from.

That was an acceptable figure between insurance companies and taxi companies/unions that did tax returns!