SalimTan 1st Gear July 14, 2016 Share July 14, 2016 Imagine you are fetching a neighbor to work and this neighbor gives you a bar of chocolate. If you get into an accident, the injured neighbor is not covered by your private car insurance and he/she sues you. This is because private car insurance excludes "hire and reward" usage. Carrying of passengers with payment in this case. Anyone knows which insurer is willing to extend private car insurance to cover "hire and reward" ? Buying commercial car insurance is out of the question because you are not running a business and the payment is low. ↡ Advertisement Link to post Share on other sites More sharing options...
Beehive3783 Turbocharged July 14, 2016 Share July 14, 2016 Then don't declare that your neighbour gave you a bar of chocolate for your trouble la. 1 Link to post Share on other sites More sharing options...
Epr0mlse 2nd Gear July 14, 2016 Share July 14, 2016 You are referring to GrabHitch or Ryde passengers right? Link to post Share on other sites More sharing options...
SalimTan 1st Gear July 14, 2016 Author Share July 14, 2016 Chocolate is just an example. It could be $5. We cannot control others's mouth, if insurer found out, the hole becomes deeper. Link to post Share on other sites More sharing options...
1fast1 Supersonic July 14, 2016 Share July 14, 2016 (edited) What about road head? Does that count as a reward? The evidence is completely swallowed. Edited July 14, 2016 by Turboflat4 Link to post Share on other sites More sharing options...
SalimTan 1st Gear July 14, 2016 Author Share July 14, 2016 You are referring to GrabHitch or Ryde passengers right? If I am not wrong, GrabHitch/Ryde needs commercial car insurance. I am referring to fetching neighbor/friends who pays and I continue with my private car insurance with appropriate coverage. Incidentally, if you volunteer to chauffeur in your friend's wedding and you get an angpow, the passengers are also not covered by insurance, according to the black-and-white written in the policy. Link to post Share on other sites More sharing options...
Epr0mlse 2nd Gear July 14, 2016 Share July 14, 2016 If I am not wrong, GrabHitch/Ryde needs commercial car insurance. I am referring to fetching neighbor/friends who pays and I continue with my private car insurance with appropriate coverage. Incidentally, if you volunteer to chauffeur in your friend's wedding and you get an angpow, the passengers are also not covered by insurance, according to the black-and-white written in the policy. No, they do not need commercial car insurance.. and that is the sticky part.. Link to post Share on other sites More sharing options...
RadX Moderator July 14, 2016 Share July 14, 2016 No, they do not need commercial car insurance.. and that is the sticky part.. they are covered by group insurance Link to post Share on other sites More sharing options...
SalimTan 1st Gear July 14, 2016 Author Share July 14, 2016 What about road head? Does that count as a reward? The evidence is completely swallowed. Yes it does. Worse, such activity is also in exclusion clauses "suicide...", "joy riding...", "incapacitated...", ... If HE/SHE opens mouth and talk to insurer, you are liability. Link to post Share on other sites More sharing options...
1fast1 Supersonic July 14, 2016 Share July 14, 2016 No, they do not need commercial car insurance.. and that is the sticky part.. I suggested a reward with a *really* sticky part. Link to post Share on other sites More sharing options...
Beehive3783 Turbocharged July 14, 2016 Share July 14, 2016 Not all will swallow lah What about road head? Does that count as a reward? The evidence is completely swallowed. Link to post Share on other sites More sharing options...
1fast1 Supersonic July 14, 2016 Share July 14, 2016 Yes it does. Worse, such activity is also in exclusion clauses "suicide...", "joy riding...", "incapacitated...", ... If HE/SHE opens mouth and talk to insurer, you are liability. Ah. Well, hopefully, she (definitely she!!!) has just as much to lose as I do if she opens her mouth. Which is why this is the best reward, everyone protects their own interests, plus it's awesome! Link to post Share on other sites More sharing options...
1fast1 Supersonic July 14, 2016 Share July 14, 2016 Not all will swallow lah Must lah. How can spoil car interior? Link to post Share on other sites More sharing options...
Beehive3783 Turbocharged July 14, 2016 Share July 14, 2016 Some spit into tissue Must lah. How can spoil car interior? Yeah. Awesome sexperience. Ah. Well, hopefully, she (definitely she!!!) has just as much to lose as I do if she opens her mouth. Which is why this is the best reward, everyone protects their own interests, plus it's awesome! Link to post Share on other sites More sharing options...
RadX Moderator July 14, 2016 Share July 14, 2016 Some spit into tissue Yeah. Awesome sexperience. yes, keep wet tissue nowadays safer Link to post Share on other sites More sharing options...
SalimTan 1st Gear July 14, 2016 Author Share July 14, 2016 No, they do not need commercial car insurance.. and that is the sticky part.. In legal and regulation, carpool with minimal payment is allowed and no business registration is needed. But insurance does not cover. Link to post Share on other sites More sharing options...
Darryn Turbocharged July 14, 2016 Share July 14, 2016 What about road head? Does that count as a reward? The evidence is completely swallowed. Is it? I always pictured @Porker as a spitter rather than a swallower.... Link to post Share on other sites More sharing options...
RadX Moderator July 14, 2016 Share July 14, 2016 Is it? I always pictured @Porker as a spitter rather than a swallower.... since when did the shagger know all tehse too ↡ Advertisement Link to post Share on other sites More sharing options...
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