If your customer is aware that your GIT cover is insufficient for the commodity they are asking you to transport, you must surely have informed them beforehand to relieve you of any liability of the shortfall if anything goes pear shaped? If not, then you open yourself up to be sued. Plus, is your GIT insurer still going to cover you for any liability at all, knowing that you are transporting goods without adequate insurance cover?
My GIT cover is at an "All Risks" level specifically for boats, which is all I carry, up to £450,000 for any one boat. Its not often we exceed that value but if we do, we have to contact our insurer in advance to have a temporary increase in liability level. If we didn't, and then the boat got damaged in any way, then our insurer would tell us to do one, as we would have known we weren't adequately covered. The risk is not with the customer, its the risk of the operator hoping nothing goes wrong.
Take it from me, if you had to have an O licence to operate, to get that licence in the first instance is no easy task. So, the last thing I'm going to do is to purposely ignore regulations and legislation for fear of losing that licence. If I lost my O licence my repute would be bought into question and I'd probably never get another one, so my business would be finished.
That's what stops genuine operators from willfully ignoring the law regarding the operation of goods vehicles.
If you managed to get an O licence and then continued to ignore the legislation governing it, you deserve to have it revoked and put out of business. And there's my arguement.
I do understand the resentment from Johnny Courier who has never had to worry about anything apart from putting in a bit of squirt and getting to his next job double quick, forget GIT, H&R insurance, forget roadworthiness, it's all about the next cash job.
But at the same time, would you think that going out on a Friday and Saturday night in your car with a magnetic door sign saying "minicab", even though you're not licenced or adequately insured, and picking up punters going here and there, would be acceptable? Same principle.
My GIT cover is at an "All Risks" level specifically for boats, which is all I carry, up to £450,000 for any one boat. Its not often we exceed that value but if we do, we have to contact our insurer in advance to have a temporary increase in liability level. If we didn't, and then the boat got damaged in any way, then our insurer would tell us to do one, as we would have known we weren't adequately covered. The risk is not with the customer, its the risk of the operator hoping nothing goes wrong.
Take it from me, if you had to have an O licence to operate, to get that licence in the first instance is no easy task. So, the last thing I'm going to do is to purposely ignore regulations and legislation for fear of losing that licence. If I lost my O licence my repute would be bought into question and I'd probably never get another one, so my business would be finished.
That's what stops genuine operators from willfully ignoring the law regarding the operation of goods vehicles.
If you managed to get an O licence and then continued to ignore the legislation governing it, you deserve to have it revoked and put out of business. And there's my arguement.
I do understand the resentment from Johnny Courier who has never had to worry about anything apart from putting in a bit of squirt and getting to his next job double quick, forget GIT, H&R insurance, forget roadworthiness, it's all about the next cash job.
But at the same time, would you think that going out on a Friday and Saturday night in your car with a magnetic door sign saying "minicab", even though you're not licenced or adequately insured, and picking up punters going here and there, would be acceptable? Same principle.