The fourth guideline for safe carpooling is that potential risks are known, what you can do to prevent or minimize these risks and which insurances you need.
The idea of driving, hitchhiking or carpooling with someone may have negative associations. These thoughts may be coming from films like The Hitcher (with Rutger Hauer, one of the most famous Dutch actors). However, research from the United States shows that carpooling is safe and that the risks are minimal. So these thoughts aren’t based on facts.
This doesn’t mean that there are no risks associated with carpooling. The biggest risk is as always actually taking part in traffic.
Other risks are:
- The other person doesn’t keep his or her part of the agreement and doesn’t show or runs late.
- The other person brakes something belonging to your car. He or she should be insured for this.
- Your luggage might get damaged. This is your own responsibility and can be insured..
Your own responsibility
Toogethr is a community where anyone can simply and safely share rides. Toogethr takes the role of facilitator to this community and develops apps so you can make agreements even more well informed and easily.
Toogethr has made rules to which anyone must abide. In the end the users are responsible for if, and with whom they drive. Toogethr will always do its best to make sure that the Toogethr community is a trusted and safe environment, but can’t take responsibility for this.
Carpooling and insurance
Toogethr and Achmea, a leading Dutch insurance company, has assessed the necessary insurances for carpooling. It is important that the holder (owner) of a car has a valid liability insurance (W.A. verzekering in Dutch). This is a mandatory insurance. Under this insurance both third parties and damage to passengers are insured. Only the driver itself is excluded from coverage.
It is also advisable, for damage to the driver of the vehicle and/or as additional security for the passenger, to have passenger insurance.
When are you not insured?
There are situations in which you’re not insured, you control if you end up in these situations.
Examples of this are:
- You transport more than 8 persons or you’re driving a vehicle that can transport more than 8 people.
- You break the law.
- Your luggage is not always covered by a liability insurance, make sure you have taken out a separate insurance for this.
- You are driver, while you do not have a valid driver's license.
- For the vehicle the road tax or insurance premium is not paid or not paid in time, or no valid MOT certificate is available for the car.