First Ride Share and Taxi Club Incorporated
The persons who from time to time are members of the Club are an incorporated club by the name given in rule 1 of these Rules.
Under section 46 of the Clubs Incorporation Reform Act 2012, these Rules are taken to constitute the terms of a contract between the Club and its members.
The name of the incorporated club is " First Ride Share and Taxi Club Incorporated". It might be referred to as “FRST CLUB” or “FRST Club Inc” in this document.
The purpose of the Club is to capitalize the collective strength of individual members in order to minimize the risks across all Club members spread across the Taxi, Hire Car, Vans, and Ridesharing Service Industry.
The Club recognises the difficulty for members of the Taxi, Hire Car, Vans, and Ride sharing Service Industry to have protection against certain risks inherent to these Industries. The Club aims to pool collective financial resources to reduce majority of these risks regarding each member.
The financial year of the Club is each period of 12 months ending on 30th June.
Any person who holds full Australian driver's licence and supports the purposes of the Club and is a part of Taxi, Rideshare, hire car or Commercial Courier Service Industry is eligible for membership.
To apply to become a member of the Club, a person must submit a written application to the committee.
Membership of the Club is at the discretion of the Committee. Once you have been accepted as a member of the Club and paid your membership subscription you will be issued with a Certificate of Membership stating your Club membership number.
The annual membership fee is $20 which is included in your monthly/annual contribution. You must be a member of the Club to be eligible to apply for protection with the Club.
FRST Club INC. reserves the right to inspect all vehicles before Membership is granted. To become a
member of the club an Applicant must:
resolution whether to accept or reject the application.
decision is made.
application to the applicant.
Club members have an obligation to disclose before the committee everything they know, or could reasonably be expected to know, that is relevant to Club’s decision to accept and provide membership under FRST Club INC.
It includes matters we specifically ask about at the time of application for Membership and any other matters which might affect the terms of cover or whether to cover or not. The information given can affect:
If you are unsure about whether to disclose information to us, it is better to inform us. If you do not inform us about something which you know or should know is relevant, we might reduce a claim for benefits, refuse to pay a claim for benefits, cancel your Membership or, if fraud is involved, we can treat the Membership as if it never existed.
Club members must take all reasonable precautions to prevent damage or theft to their vehicle. This includes:
tyres, replace worn brakes and defective lights, fix paint problems, repair major rust, repair worn
a) Not meeting your responsibilities
If you do not meet your responsibilities, it may lead us to do either or both of the following:
b) Special conditions
We may impose special conditions on your Membership that might exclude, restrict, or extend cover for a person or matter. For example, we may not be able to cover certain driver, drivers and some certain events.
The Club offers you certain protections against risks and the costs associated with those risks on the terms contained within this Policy Document. The benefits contained in this Policy Document are referred to as protections to highlight that this is an alternative to insurance.
The club is self-insured by the underwriter for third party property damage cover, and they will cover your Taxi, Rideshare and Van for up to $20 million for public liability subject to the terms and conditions of the attached policy.
Please note all owners are fully liable for the information given by them and their drivers in relation to the policy, claim form, excess and the third-party application. It’s the duty of the owners to ensure that all information given by them, and drivers are correct, honest, and truthful that third Party cover starts only when all questions are answered, and paperwork signed is received.
You must inform the club when you put new Taxi, Van, rideshare car or any changes so we can update with club and Third-party provider.
The Committee has the discretion to accept your application for protection and to set the cost of contribution payable by each member for the protection offered. If your application for protection is accepted you will be asked to pay an annual or monthly contribution for the protection offered, depending on what protection you have requested. The contribution will be assessed in accordance with your circumstances and requirements. You can see the amounts of the contributions under the section ‘Contribution amounts’ below.
A Schedule of Protection will be issued to you which sets out your protection, the annual/half yearly/monthly contribution to be paid and the excess applicable in the event of a claim for protection. Please ensure you read the Schedule of Protection carefully to ensure it meets your requirements.
Your contribution which you must pay will depend on what type of Taxi / Rideshare/Van you seek protection for. The schedule of contributions to be paid is determined by the Club. Your contribution is payable on the day you seek to take out the protection. No claim for protection will be considered for a period where contribution has not been paid.
The contributions paid by Members into FIRST RIDE SHARE AND TAXI CLUB INCORPORATED, are used as follows:
To pay for Insurance Policies and the roadside assistance held in the name of members for the benefit of members.
Your Contributions are non-refundable except in limited circumstances. If you cease to be a member during any part of a month, then any Contributions paid will not be returned to you except where you have paid Contributions for more than one month in advance, in which case, those Contributions paid in advance will be refunded after receipt of an approved written withdrawal request approved by FRST CLUB INC in accordance with the Constitution.
As a member of the Club, you will have a right to have your claim for protection considered by the Committee of the Club. The benefit provided by the protection is contained in this Policy Document.
The Committee’s discretion to refuse or reduce a benefit under a claim will only be exercised where the Committee believes that the members of the Club would expect it to do so. The Committee also has power to admit claims which are otherwise excluded under the protections.
When you apply for membership of the Club you will be asked a series of questions relevant to your eligibility for membership. The answers you provide will be used to assess your application for membership.
It is important the information you provide is accurate and truthful. If it is not accurate or truthful then the Committee may exercise its discretion at any stage to cancel your membership. In addition, if a claim for protection has been made your inaccurate or untruthful information given at the time of making an application for membership will entitle the Committee to refuse your claim for protection if that information, if known by the Committee, would have meant they would not have
offered you membership with the Club or they would not have offered the protections under this Policy Document which you obtained.
When you apply to have a claim for protection considered by the Committee, you may be required to pay an excess depending upon the circumstances of the claim. Your Schedule of Protection will show the excess that applies to each of the protection benefits offered. The Club will only consider a claim where the excess has been paid within 48 Hours of an Incident.
You must pay the excess in full before we consider any claim for benefits or provide any benefits under this Membership. If we do not make a payment for your claim, then we will return any excess you have paid.
The total excess you are required to pay is determined by the circumstances of your claim for benefits. You might have to pay more than one type of excess when you claim for benefits.
For Total Loss where the member is at-fault, remaining premium is payable along with the standard excess,
For example, if the membership started on 1st January and the member has a vehicle written off on 31st March (due to member’s fault), the member is required to pay the relative excess plus remaining 9 Months of Premium before the club decides on the relevant protection benefits.
You are liable to pay the Excess unless the following applies.
You or the driver didn’t contribute to the accident (this means the other driver was entirely at fault). You may be able to show this by providing a police report, expert reports, statement from a witness or photographs.
You supply the at-fault driver’s name, address and Vehicle Registration number.
If none of the above is provided, the applicable Excess applies.
What to do if you are involved in an accident.
hazard lights).
maliciously damaged your car, call the police as soon as possible and record the time, date, report number and the name of the recording officer.
addresses and contact numbers. If another car is involved, record its registration number and the driver’s name and address. Do not admit fault to anyone.
When you contact us, describe details of the incident to assist with lodging your claim. If the damage was caused by another person, provide us their name and address and the vehicle’s registration number.
NOTE: ***Theft or damage to your Vehicle if the Vehicle is left unatended, unlocked and with the keys left in the car is not covered under any circumstances****
You must REPORT the incident within 24 hours of occurrence. The Club has the right to refuse cover, if not done so.
The following is not covered under any Circumstances.
Replacement Vehicle or Loss of Income
The club will only provide replacement vehicle for claims that are not at-fault and for a maximum of up to 14 Days only.
The Club will offer Loss of Income for Commercial Drivers for only the number of days the vehicle is repaired. Once notified of the repair work completed, it will be the client's responsibility to arrange for a Pick Up.
The Club will use aftermarket parts for windscreens and window glass (including sun roof) and repairs will meet Australian Design Rules.
Where available we will use aftermarket parts for radiators and air conditioning. If Parts are not available If a damaged part is no longer available, we will pay you the last known market price of that part. The Club is not responsible for costs which occur because of delays in delivery of parts. If a part is unavailable in Australia the Club will pay the cost of surface freight (not airfreight) from the nearest reasonable source of supply. The Club will not pay for any additional hire car costs (maximum of upto
For Total Loss Claims Where the Vehicle has Finance
For a total loss claim, if a credit provider has a financial interest in your car, then we will pay them what they are entitled to (up to the value of your claim) and pay you any balance. If the credit provider requests to retain the salvage we will settle them less the salvage value amount.
Insurance, Driving and Criminal History
Your Duty of Disclosure:
If you do not tell us something:
After a completion of 12 Months, the protection is automatically renewed for the next year unless otherwise advised by the member. The renewal will be granted on the same terms and conditions as are contained in the Club’s Policy Document (as amended from time to time) and the new Schedule of Protection which will be issued upon renewal.
The Committee has the right to cancel your membership during the protection period if circumstances warrant this. These circumstances are such that the Committee would consider that the members of the Club would require the protection to be cancelled.
The Club offers a range of protections which relate to accidental motor vehicle collisions involving the members Taxi, Hire Car/Van, or any other Ride Share Vehicle. Members who have had an accident whether at fault or not at fault and who decide to handle their cases themselves risk having their claims not being accepted. This is a breach of contract with the club and membership agreement will be cancelled immediately and payment to the other party for any previous claims lodged may be refused. All accidents, whether at fault or not must be reported to the Club within 24 hours. If the club is not notified within the certain time frames the club has the right not to accept the lodgment of the claim.
Subject to payment of the contribution and the Club rules and the applicable excess and subject to acceptance of the claim by the Committee, the Club offers the member the following benefits pursuant to the protection.
; choice of repairer is not offered.
damage which was caused in a collision which involved the members Vehicle to a maximum sum of $10,000
which exceed $10,000.
for third party claims.
accepted the Club will:
pay the member the pre-accident value of the Members Vehicle (see below as to what constitutes the pre-accident value).
Vehicle to be repaired at the Clubs authorised repairer.
the member the pre accident value of the Member 's Vehicle using RedBook Valuations only and vehicle condition as "GOOD" only (see below as to what constitutes the pre accident value).
the Members Vehicle using RedBook Valuations only and vehicle condition as "GOOD" only (see
below as to what constitutes the pre-accident value).
Car Jacking) These are the only protections offered by the Club. The protections are subject to the exclusions contained in section 10 below. Please read these to ensure you are familiar with them.
Definition of pre-accident value – if pursuant to a protection the Club agrees to pay the member the pre accident value of the Members Vehicle the Club will pay the value of the Members Vehicle not including the accessories and fit out items. The pre-accident value is the value of the vehicle itself and does not include the value of the further accessories and fit out items which are required for the vehicle to become an on the road taxi / rideshare car. For the avoidance of doubt as an example, if a Members Vehicle is a 2015 Toyota Sedan, the pre-accident value will be the value of that vehicle as a private usage motor vehicle (i.e., the market value of a 2015 Toyota Sedan in the same or similar condition as the member’s vehicle using Redbook Valuations with vehicle condition as "GOOD".) The Club will deduct from the pre-accident value any money that is owed to it for excess or outstanding contributions. If the value of the vehicle is paid to a member, then the member agrees that the Club becomes owner of the salvage and will do all things necessary to transfer title of the vehicle to the Club.
In-order to ensure the sustainability of the Club certain exclusions apply to claims for protection. If any one of the exclusions listed below applies to your claim, then your claim will not be admitted by the Committee.
1.1 If your Vehicle is involved in an accident, then you must notify the Club of the accident within 24 hours of the accident occurring. You can then provide details and apply for cover within 48 hours of occurrence. This is to ensure the Club can maximise the prospects of the most commercial settlement of your claim and any demand from other parties involved in the accident. If the Club is not notified of the collision within 24 hours of it happening, protection will not be offered. See the contact phone numbers in paragraph 11.7 herein. A member can notify us by sending an SMS message to the mobile number if the member wishes.
1.2 1.2 If your Vehicle was involved in a collision and the vehicle was not in a roadworthy condition
at the time of the collision, protection will not be offered to you by the Club.
1.3 If the driver of the vehicle involved in the collision was not an authorised driver which you nominated at the time you took out the application for protection, then protection will not be offered to you by Club. The Club will only offer protection for claims which involve a driver who you had nominated in your application.
1.4 If the driver of the vehicle involved in the collision had any alcohol or drugs in his bloodstream at the time of collision protection will not be offered to you by the Club. This exclusion acknowledges Taxi / Rideshare driver obligations to drive at .00.
1.5 If the driver of the vehicle at the time of the collision was conveying any load or carrying a number of passengers in excess of that permitted by law protection will not be offered
1.6 If the Collision occurred outside the state of Victoria protection will not be offered.
1.7 If the collision was caused by the driver operating the vehicle in a reckless or dangerous manner protection will not be offered.
1.8 If the loss or damage was caused by the member or members driver leaving the vehicle unattended and unsecure or in a dangerous position protection will not be offered.
1.9 When the vehicle is not working it must be stored in a secure place such as a locked garage to limit the opportunity of loss or damage.
1.10 If the driver of the vehicle is not legally entitled to drive the vehicle at the time of the collision whether by reason of not having the appropriate Taxi licence, accreditation or whether his/her licence has been suspended, revoked, or cancelled, protection will not be offered to you by the Club.
1.11 If in making the claim for protection you are in any way dishonest or fraudulent or intentionally do not tell us the truth, then protection will not be offered to you by the Club.
1.12 Windscreen is not covered under the claim for protection, but the Club can organise the windscreen for its members at a trade price.
11- General exclusions
We will not consider claims under your Membership for damage, loss, cost or legal liability that is caused by or arises from or involves:
a) Unlicensed Drivers
We will not consider claims relating to drivers who are driving the Vehicle as a passenger vehicle who do not hold a full, current Australian Open Drivers licence AND a current Hire Drivers licence.
b) Overdue monthly Contribution
If a Contribution payment is overdue, we can refuse to pay a claim for benefits if payment is 14 days (or more) late.
c) Agreements you enter into
Any agreement or contract you, or someone you authorised to drive or be in charge of your Vehicle, enter into accepting liability. However, we will consider claims if the legal liability would have existed without that agreement.
d) Alcohol or drugs
An incident occurring when your Vehicle is being driven by, or is in the charge of, anyone who:
e) Asbestos
Asbestos, asbestos fibers or derivatives of asbestos of any kind.
f) Biological, chemical, other pollutant or contaminant
g) Confiscation or repossession
Legal confiscation or repossession of your Vehicle or its contents.
h) Condition of Vehicle i-e any structural, mechanical, electrical, or electronic failure or breakdown
i) Consequential losses (financial and non-financial loss) or extra costs following an incident covered by your Membership, such as:
j) Dangerous goods
Your Vehicle being used to illegally store or transport:
k) Drivers under 22 years
Your Vehicle when being driven by a person under 22 years of age.
l) Driving a damaged Vehicle
Additional damage caused to your Vehicle by driving it after it has been damaged in an incident.
m) Exceeding loading or passenger
limits Your Vehicle when it is:
n) Failure to take reasonable precautions
Your failure to take reasonable precautions to prevent loss, damage or legal liability.
o) Intentional loss or damage
Intentional loss or damage caused by you, or a person acting with your express or implied consent.
p) Motor sports or similar
activities Your Vehicle being used:
unless your Vehicle:
q) Non-standard items
Any vehicle additions that are non-standard including but not limited to headlight and bonnet protectors, towbars, bumper bars, window tinting and non-standard wheels or rims.
r) Overdue or unpaid Contributions If a Contribution is overdue, we can refuse to consider a claim for benefits until all notices for payment are complied with.
s) Personal property
Any personal property including but not limited to car or mobile phones, cash and personal effects, tools, sports goods, laptops, iPads, or any electronic goods.
t) Radioactivity/nuclear materials
Radioactivity or the use, existence or escape of nuclear fuel, nuclear material, or waste; or action of nuclear fission including detonation of any nuclear device or nuclear weapon; or any looting or rioting following these incidents.
u) Reckless acts
Any intentional or reckless act by you, the driver of the Vehicle or by a person acting with your express or implied consent (such as street racing, burnouts or donuts).
v) Revolution, war
Revolution, hostilities, war or war like activities or other acts of foreign enemy, military coup; or any looting or rioting following these incidents.
w) Unlawful purposes
Your Vehicle being used for unlawful purposes.
x) Incorrect fuel usage
Loss or damage to your Vehicle (including damage to your Vehicle’s engine or fuel system) caused by the incorrect type of fuel being used.
y) Replacement of non-damaged parts
The replacement of non-damaged parts which includes items that are part of a whole set when the loss or damage occurred to only part of that set (such as alloy wheels).
z) Tyres
Damage to your Vehicle’s tyres caused by braking, punctures, road cuts or bursting
If your vehicle is involved in a collision, it is important you follow the steps set out below. If you do not the Club may refuse your Claim:
·You must report the incident within 24 hours of occurrence.
Email: info@frstclub.com.au
After hours call or text: Mobile: 0432930430 – AZIZ REHMAN
the Club’s above address.
If the Club admits your claim for protection, you then authorise the Club to conduct legal proceedings on your behalf. This may mean instituting legal proceedings to recover losses from the party who was at fault, or it may mean defending legal proceedings where you or your driver has been sued for damages caused to someone else. Although the Club will retain lawyers and pay for legal costs of any proceedings, we cannot conduct the legal proceedings without your assistance. As such it is a term of this Policy Document that you co-operate with the Club and their lawyers if legal proceedings are commenced. Normally this would mean, amongst other things:
You must keep your contact details, including your Australian Mobile number, postal address and email address up to date. If we do not have up to date contact details you might not receive your important policy documents which could impact whether you have cover in place. Each protection period is 12 months. The Club will offer protection based on the details you provide the Club when you make your application. If any of these details change in the period of protection you must notify the Club immediately so the Club can make the necessary changes and assess whether it is still prepared to offer protection. If the changes mean the Club will no longer offer protection, then you will have the amount left of your annual contribution refunded on a pro rata basis. For example, if your protection is cancelled after 6 months then you will have half of your annual contribution refunded.
If you have any queries in relation to anything in this document, please call FRST CLUB INC on 0432930430 and someone will assist you.
There is no cooling off rights that apply to an application for Membership.
