Why was the claim denied when IVD uses his car as a taxi without informing the insurer?

The claim was denied due to the public/livery conveyance exclusion. This exclusion applies to situations where a vehicle is used for commercial purposes, such as transporting passengers for hire, without the knowledge or consent of the insurance company. Most personal auto insurance policies include this exclusion, as they are designed to cover private use only. When the insured utilized their vehicle as a taxi without informing the insurer, they effectively breached the terms of their policy. Insurers require this information to properly assess risk and adjust premiums accordingly. Therefore, the use of the vehicle for a commercial operation like a taxi service, which was not disclosed, led to the denial of the claim.