What every Bus Owner, Driver and Passenger MUST know!

Bus drivers have a tough job. They have the huge responsibility of operating a vehicle that carries our greatest asset: The people who make the economy of this country work every day. Bus drivers must take the highest degree of vigilance, care and precaution and for this reason you need a specialist underwriter and broker to take care of your bus insurance cover.

The Road Accident Fund

The RAF provides personal injury and death compensation to victims of motor vehicle accidents, provided the accidents weren’t caused solely by them. The person responsible for the accident is also, in terms of the RAF legislation, indemnified against any claims for compensation for bodily injury (save for so-called “emotional shock” claims).

You must know: Bus operators must refer injured parties to the RAF directly and report RAF claims to 0860 23 55 23.

Passenger Liability

Passenger Liability insurance protects a bus or coach operator in instances where they may become legally liable for the injury or death of passengers transported in a company vehicle.

Operators will benefit from this cover when:

  • The RAF does not have funds to meet its obligations.
    • You drive in countries where the RAF does not apply.
    • There is a secondary victim who has a valid claim for emotional shock.
    • Compulsory Personal Accident cover automatically linked to the Passenger Liability Section.
    • You need help to meet the requirements set by the provincial permit boards.
    • Reduce fuel consumption
    • Cut vehicle downtime
    • Decrease the number of road accidents
    • Increase the lifetime of your tyres, brake sets, clutches and gears
    • Dramatically reduce carbon footprint and vehicle running costs
    • Improves the risk profile of the operation which leads to reduced insurance premiums
      • Speeding
      • Harsh braking and cornering
      • Driver fatigue and continuous driving hours
      • Driving times
      • The vehicle will be less stable, difficult to steer, battle to accelerate and take longer to stop.
      • It can cause tyres to overheat and wear rapidly leading to dangerous and failure blowouts, diminishing the driver’s control and ability to operate a vehicle.
      • Headlights may tilt and blind oncoming drivers.
      • Brakes may have to work harder and may overheat and lose their effectiveness to stop a vehicle.
      • The whole suspension system may come under stress and give way over time.

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