Look what will be happening, by next April, by my estimation. When the draft Law Comm bill is enacted.
Cornwall Hackney Carriage, working as a PH vehicle on Wythenshawe/Club Cars. Manchester..
Not a good changeover that, travelling 700 miles round trip.
Whats more the driver has no license. The vehicle is registered to his Brother in Law, who lives in Cornwall.
This will be sent to Manchester Licensing, but, they will do nothing, why should they, they get paid for nothing, why rock the boat.
Further to questions on this post, let me make things clear, this vehicle is NOT insured. Apart from the fact the driver has no hack driver's license the following document makes the insurance implications quite clear.
Uberrima fides (sometimes seen in its genitive form uberrimae fidei) is a Latin phrase meaning "utmost good faith" (literally, "most abundant faith"). It is the name of a legal doctrine which governs insurance contracts. This means that all parties to an insurance contract must deal in good faith, making a full declaration of all material facts in the insurance proposal. This contrasts with the legal doctrine caveat emptor (let the buyer beware).
Thus the insured must reveal the exact nature and potential of the risks that he transfers to the insurer, while at the same time the insurer must make sure that the potential contract fits the needs of, and benefits, the assured.
A higher duty is expected from parties to an insurance contract than from parties to most other contracts in order to ensure the disclosure of all material facts so that the contract may accurately reflect the actual risk being undertaken. The principles underlying this rule were stated by Lord Mansfield in the leading and often quoted case of Carter v Boehm(1766) 97 ER 1162, 1164,
"Insurance is a contract of speculation... The special facts, upon which the contingent chance is to be computed, lie most commonly in the knowledge of the insured only: the under-writer trusts to his representation, and proceeds upon confidence that he does not keep back any circumstances in his knowledge, to mislead the under-writer into a belief that the circumstance does not exist... Good faith forbids either party by concealing what he privately knows, to draw the other into a bargain from his ignorance of that fact, and his believing the contrary.[1]
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