Just a little confused

If either a restaurant pays for a white plate "taxi" ride, or you pay [whether a restaurant recommended it, or not], the contractual relationship between you and a driver could not be argued at all. In both cases, it would be considered a violation of applicable rules, therefore driver's insurance would not touch it.
Rob is right, again : red plates only.

FYI... this year's PPV (public passenger vehicle) insurance for Linston was 92,000JA.

That's three times more than we pay for the white plate on Ailsa's car......and we have good insurance not just the minimum

Cap

Rob and CapD thanks!