They need to convert their insurance to commercial type, in
order to get the pax insured........
Without this commercial insurance, they plying the road with
their own risk including the pax.......
When things go wrong, is not just a ferry services anymore, very
different from fetching your own family members........
As for the excess, tia gong, some rental coy is as high as $5k,
don't just sign blindly, of course if you are using your own
vehicle, excess can be as low as $0 dollar.......
Tia kong they also dun fight for you want, once hit, you right or
wrong, they ask for excess first, then ask you to fark off, later
they won the case, you also get nothing, it is their car mah.