Accident in works van - declareable?

The_One · 26 Mar 2013 at 22:33

I had an accident in dec 2011 in the works van (Centrica)

is this declareable on my own personal car insurance?

my reasoning is no because the claim is between the third party and centrica not myself yes?

centrica are self insured btw

mame · 26 Mar 2013 at 22:37

Well the question is usually "any accidents, claims or convictions in the last 3 years" so even a yes, no, no isn't going to be all that different to a yes, yes, no.

Addicted · 26 Mar 2013 at 22:39

It's asking if YOU have had any accidents - you have.

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MooMoo444 · 26 Mar 2013 at 22:40

If you say you've had an accident they'll see you as "higher risk" and you'll just be lining their pockets more.

The_One · 26 Mar 2013 at 22:43

but all the documents relating to the accident have it down as centrica not myself.

on the court papers it said claim between defendant (centrica) and other party

[TW]Fox · 26 Mar 2013 at 22:52

The_One said:
but all the documents relating to the accident have it down as centrica not myself.

on the court papers it said claim between defendant (centrica) and other party

You were driving. You have had an accident.

The question isn't 'Is there some paperwork somewhere with your name on it relating to an accident' its 'Have you been involved in an accident'.

The_One · 26 Mar 2013 at 22:55

the insurers asked if id had a claim in the last 5 years

not have i been in an accident

Brookert · 26 Mar 2013 at 23:06

Technically if its worded 'have you had an accident?', then you have. Personally, I would be naughty and say no even if I did have an accident in a company van. I'm not taking a hit on my personal insurance for a supermarket. Touch wood haven't bumped anything of grass in 1.5 years.

Fr0dders · 27 Mar 2013 at 00:56

It depends very much upon the wording of the question.

If its only asking for claims, then no.

Burnsy2023 · 27 Mar 2013 at 16:28

MrLOL said:
It depends very much upon the wording of the question.

If its only asking for claims, then no.

They will usually ask both questions, because each one may have a different answer, like here.

Tachyon · 27 Mar 2013 at 22:19

Was renewing my insurance tonight and they asked something along the lines of "Have you had any accidents or claims in the past 3 years even if they weren't your fault and something else about incidents that you didn't declare." Can't remember exact wording but I think they have their bases well covered as far as the wording goes.

SGWills · 27 Mar 2013 at 22:22

if your renewing, ring and ask the insurance company.

If your doing quotes, ring the top three companies giving you the best policy for the best cash and ask.

some companies dont require work incidents, some do. Not really worth taking a risk in my opinion, but my view is biased

Scania · 28 Mar 2013 at 09:40

The_One said:
centrica are self insured btw

My employers are self insured too, during my recent driver CPC training course, this topic came up.

We were told to declare any work related incident - no matter the fault or lack of - as a few drivers previously haven't, and after a claim, their insurers have contacted the company for details of any incidents involving said driver and the fleet dept disclosed it, with dire concequences for the driver who'd said he'd had no claims.....

Apparently, this is common with large fleet operators.