OHS Awareness NSW Taxi Operators - NSW Taxi Industry
OHS Awareness NSW Taxi Operators - NSW Taxi Industry
OHS Awareness NSW Taxi Operators - NSW Taxi Industry
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7. Insurance, Worker’s Compensation<br />
and Trauma Counselling<br />
As a new <strong>Taxi</strong> Driver you must be aware of your responsibilities and rights regarding<br />
insurance, Worker’s Compensation and trauma counselling.<br />
Insurance<br />
Your <strong>Taxi</strong> Operator must take out appropriate insurances to indemnify you (e.g. cover you)<br />
against all claims that come about if the taxi you are driving is involved in a motor<br />
accident. This means that whether you are at fault or not, all costs for the <strong>Taxi</strong>, other<br />
vehicles, property or persons who are injured must be covered.<br />
Your <strong>Taxi</strong> Operator:<br />
must maintain insurance policies and provide evidence of their currency<br />
must indemnify the taxi driver in relation to any damage, including any excess<br />
payable on a claim, arising out of the use of the taxi cab.<br />
As a taxi driver you<br />
must be aware of the insurance policy indemnifying the driver<br />
must know that the policy is current and is always carried in the taxi- cab at all<br />
times.<br />
If you are aware of the responsibilities of your taxi operator, it is easier in claims<br />
settlement, should the taxi you are driving be involved in an accident.<br />
Your responsibilities include:<br />
You must report all motor vehicle accidents to your <strong>Taxi</strong> Operator<br />
You must not admit liability to other parties in the case of an accident<br />
You must co-operate with the police<br />
You must drive in a safe way with due care and concern<br />
You must drive with due care for the comfort and safety of passengers.<br />
Public Liability Insurance<br />
Public liability insurance covers you against claims for costs for accidents that are not<br />
caused by a motor accident.<br />
Such items may include:<br />
Damage to luggage when put down by the roadside<br />
Damage caused when you carry luggage into a property e.g. you knock over a<br />
valuable vase when helping someone by carrying a suitcase into their hall<br />
Damage to a frail person as they are getting out of a <strong>Taxi</strong><br />
Your <strong>Taxi</strong> Operator is not obliged to have this insurance. However it is cheap to add to an<br />
insurance package (less than $100 per year usually) and may prove very valuable if you or<br />
your <strong>Taxi</strong> Operator is sued. You may wish to discuss this with your <strong>Taxi</strong> Operator.<br />
<strong>OHS</strong> <strong>Awareness</strong> for <strong>NSW</strong> <strong>Taxi</strong> <strong>Operators</strong>: Information Guide<br />
<strong>NSW</strong> <strong>Taxi</strong> <strong>Industry</strong> Association Page 67