Right lets set the scene haha
Me and my team have just taken 3 sprinter vans over to ireland on company insurance for a job
1 of the vans has been damaged on the inside of the side sliding door, from the load (welding machines and tools) shifting at somepoint
the company now want to put a claim in for it but to do so the driver must complete a form to process the claim that puts him at the drivers seat, which according to the insurance company will need to be delcared on his personal insurance and as a result raise his premium,
is this correct? isnt the idea of a company insurance to remove any personal damage?
also how can it be proved the drivers fault as the driver didnt load the van and the van sat for 4 hours on a ferry unmaned where the load could have shifted.
it also means if a car was left in tesco car park or a customers car park and someone reversed into it and ran the innocent driver who wasnt in the car has his own personal premium effected by something not his fault or not even in his control.