StevoD Posted January 29, 2015 Share Posted January 29, 2015 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. Quote Link to comment Share on other sites More sharing options...
Ekona Posted January 29, 2015 Share Posted January 29, 2015 They're correct. Someone was in charge of the vehicle at the time, so the accident is someone's 'fault'. Whoever is driving is responsible for the load, regardless of if they loaded it or not (that's a legal thing, same as making sure a car is roadworthy before use etc). However, depending on how it's worded when your insurer asks if you have had any accidents, claims or convictions, depends on whether you need to tell them. In your case there was no accident whilst driving, you didn't personally claim and certainly no points involved, then I wouldn't feel the need to disclose it. Had you binned it whilst driving, that would clearly be different. If I wasn't driving when it happens, I'm not coughing up to it. Whoever was needs to take responsibility, however galling that may seem. If they don't, then they're likely to get the boot for gross misconduct. A grey area, definitely. Quote Link to comment Share on other sites More sharing options...
StevoD Posted January 29, 2015 Author Share Posted January 29, 2015 (edited) They're correct. Someone was in charge of the vehicle at the time, so the accident is someone's 'fault'. Whoever is driving is responsible for the load, regardless of if they loaded it or not (that's a legal thing, same as making sure a car is roadworthy before use etc). However, depending on how it's worded when your insurer asks if you have had any accidents, claims or convictions, depends on whether you need to tell them. In your case there was no accident whilst driving, you didn't personally claim and certainly no points involved, then I wouldn't feel the need to disclose it. Had you binned it whilst driving, that would clearly be different. If I wasn't driving when it happens, I'm not coughing up to it. Whoever was needs to take responsibility, however galling that may seem. If they don't, then they're likely to get the boot for gross misconduct. A grey area, definitely. this is it there is no 'accident' yet the form on the paperwork is titled ' Risk Managment and insurance - motor Accident Report form ' Edited January 29, 2015 by StevoD Quote Link to comment Share on other sites More sharing options...
ioneabee Posted January 29, 2015 Share Posted January 29, 2015 They're correct. Someone was in charge of the vehicle at the time, so the accident is someone's 'fault'. Whoever is driving is responsible for the load, regardless of if they loaded it or not (that's a legal thing, same as making sure a car is roadworthy before use etc). However, depending on how it's worded when your insurer asks if you have had any accidents, claims or convictions, depends on whether you need to tell them. In your case there was no accident whilst driving, you didn't personally claim and certainly no points involved, then I wouldn't feel the need to disclose it. Had you binned it whilst driving, that would clearly be different. If I wasn't driving when it happens, I'm not coughing up to it. Whoever was needs to take responsibility, however galling that may seem. If they don't, then they're likely to get the boot for gross misconduct. A grey area, definitely. this it there is no 'accident' yet the form on the paperwork is tillted ' Risk Managment and insurance - motor Accident Report form ' need Grundy's translating skills again 1 Quote Link to comment Share on other sites More sharing options...
StevoD Posted January 29, 2015 Author Share Posted January 29, 2015 edited that post for you haha 1 Quote Link to comment Share on other sites More sharing options...
KyleR Posted January 29, 2015 Share Posted January 29, 2015 Drivers fault for not ensuring the load is sufficiently secured, but he doesn't have to declare it as he didn't have an accident. If he doesn't have to put his hand in his pocket, just sign it. How big is the deposit that will most likely be lost? Quote Link to comment Share on other sites More sharing options...
Ekona Posted January 29, 2015 Share Posted January 29, 2015 If there was no accident, there can be no claim. The accident here was a poorly tied load damaging the vehicle internally, for which the driver is responsible. My original post was a bit misleading. There was no accident whilst during the driving (like you say, maybe the load shifted whilst on the ferry), but there clearly was something damaged. Quote Link to comment Share on other sites More sharing options...
StevoD Posted January 29, 2015 Author Share Posted January 29, 2015 Drivers fault for not ensuring the load is sufficiently secured, but he doesn't have to declare it as he didn't have an accident. If he doesn't have to put his hand in his pocket, just sign it. How big is the deposit that will most likely be lost? He has to put the hands in his pocket on personal insurance as the damaged claim has to be told to his personal insurer Quote Link to comment Share on other sites More sharing options...
KyleR Posted January 29, 2015 Share Posted January 29, 2015 Drivers fault for not ensuring the load is sufficiently secured, but he doesn't have to declare it as he didn't have an accident. If he doesn't have to put his hand in his pocket, just sign it. How big is the deposit that will most likely be lost? He has to put the hands in his pocket on personal insurance as the damaged claim has to be told to his personal insurer It doesn't, though, because he didn't have an accident and the vehicle wasn't involved in one whilst under his "ownership". If they want to claim for the damage, thats fine, but I'm pretty sure it's not motor insurance. In fact, PM Chris Knott or another trader on here, I'm sure they'd be happy to help and will certainly have better knowledge than us lot. Quote Link to comment Share on other sites More sharing options...
CK@Chris Knott Insurance Posted January 29, 2015 Share Posted January 29, 2015 Thanks for the PM, StevoD. You're not going to like the answer but here goes. You should disclose this as an accidental damage claim to your personal insurer but let them know it was on a company vehicle. It will come down to your personal insurer's attitude to the claim as to whether it'll affect your private car insurance premium. With some of the insurers we use we would expect to be successful in arguing that this claim is irrelevant in terms of rating for your private car, so it wouldn't affect your premium. I can't comment on what will happen with your specific insurer but you'd have more of a chance of success if you had a broker/intermediary between you and the insurer. best, Nick Quote Link to comment Share on other sites More sharing options...
Ekona Posted January 29, 2015 Share Posted January 29, 2015 Most insurers aren't going to sting him too hard anyway for a non-fault accident on a company car. Hell, I barely got touched at all for my mishap in 2013 that was 100% my fault, as I didn't claim off my own insurance but someone else's. Very similar thing. Quote Link to comment Share on other sites More sharing options...
Grundy Posted January 29, 2015 Share Posted January 29, 2015 They're correct. Someone was in charge of the vehicle at the time, so the accident is someone's 'fault'. Whoever is driving is responsible for the load, regardless of if they loaded it or not (that's a legal thing, same as making sure a car is roadworthy before use etc). However, depending on how it's worded when your insurer asks if you have had any accidents, claims or convictions, depends on whether you need to tell them. In your case there was no accident whilst driving, you didn't personally claim and certainly no points involved, then I wouldn't feel the need to disclose it. Had you binned it whilst driving, that would clearly be different. If I wasn't driving when it happens, I'm not coughing up to it. Whoever was needs to take responsibility, however galling that may seem. If they don't, then they're likely to get the boot for gross misconduct. A grey area, definitely. this it there is no 'accident' yet the form on the paperwork is tillted ' Risk Managment and insurance - motor Accident Report form ' need Grundy's translating skills again Sorry, thats Mouthwashes job Quote Link to comment Share on other sites More sharing options...
StevoD Posted January 29, 2015 Author Share Posted January 29, 2015 Most insurers aren't going to sting him too hard anyway for a non-fault accident on a company car. Hell, I barely got touched at all for my mishap in 2013 that was 100% my fault, as I didn't claim off my own insurance but someone else's. Very similar thing. having a look on comparison sites for his cars its going to put an extra 3-400 pounds Quote Link to comment Share on other sites More sharing options...
Ekona Posted January 29, 2015 Share Posted January 29, 2015 Blimey. Is he quite young, or driving a silly power car? Quote Link to comment Share on other sites More sharing options...
KyleR Posted January 29, 2015 Share Posted January 29, 2015 Most insurers aren't going to sting him too hard anyway for a non-fault accident on a company car. Hell, I barely got touched at all for my mishap in 2013 that was 100% my fault, as I didn't claim off my own insurance but someone else's. Very similar thing. having a look on comparison sites for his cars its going to put an extra 3-400 pounds In which case I think he'd have to try doing it offline, so he can explain what happened. At least when talking to someone in person or on the phone he can explain that it wasn't an accident but something merely slipped and damaged the inside door of a van. Quote Link to comment Share on other sites More sharing options...
CK@Chris Knott Insurance Posted January 29, 2015 Share Posted January 29, 2015 In which case I think he'd have to try doing it offline, so he can explain what happened. At least when talking to someone in person or on the phone he can explain that it wasn't an accident but something merely slipped and damaged the inside door of a van. Sorry for the advert but that's an example of where a broker should come into their own. I think people presume it costs extra to use a broker so they don't bother, they just go direct. Quote Link to comment Share on other sites More sharing options...
KyleR Posted January 29, 2015 Share Posted January 29, 2015 In which case I think he'd have to try doing it offline, so he can explain what happened. At least when talking to someone in person or on the phone he can explain that it wasn't an accident but something merely slipped and damaged the inside door of a van. Sorry for the advert but that's an example of where a broker should come into their own. I think people presume it costs extra to use a broker so they don't bother, they just go direct. Yup, you were cheaper than Admiral for me and with a better policy, but when I traded in the 350, couldn't get me insured. Back to Admiral I went Quote Link to comment Share on other sites More sharing options...
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