Had an accident in a works van.

ash_scotland88

ash_scotland88

ash_scotland88

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I think I know the answer, and that's I'll never know till I actually phone up my own insurers.

Basically had an accident in a works van, 3 vehicles - not going into much more detail. The van is fully insured through the company everything is going through their insurance etc, do I need to let my insurers know and will this increase my premium?
 
Do you need to let your insurers know? - Yes.
Premium? - Probably.

The questions will be worded like "Have you been involved in an accidents/losses in the last 5 years which have resulted in a claim?". No disclaimers about what or whom you might have been driving.
 
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Done the smart thing and phoned my personal policy. Think the first guy miss understood what I was asking and put me through to claims, who said that I don't need to notify them since I wasn't driving the vehicle that was insured for the policy.
He didn't know if I'd need to let them know come renewel time, but I'll ask that question then.
 
Personally I would also cover yourself with an email or letter to them so they can't deny that you advised them, in case of a different claim in the future.
 
Sorry i dont understand this.
Surely the only insurance that is of any concern is the insurance on the vehicle, the works insurance?

why should the OP notify his own personal insurance company for his own vehicles?
 
~Divine~Wind~ said:
Sorry i dont understand this.
Surely the only insurance that is of any concern is the insurance on the vehicle, the works insurance?

why should the OP notify his own personal insurance company for his own vehicles?
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MagicBoy said:
The questions will be worded like "Have you been involved in an accidents/losses in the last 5 years which have resulted in a claim?". No disclaimers about what or whom you might have been driving.
Click to expand...
 
MagicBoy said:
Do you need to let your insurers know? - Yes.
Premium? - Probably.

The questions will be worded like "Have you been involved in an accidents/losses in the last 5 years which have resulted in a claim?". No disclaimers about what or whom you might have been driving.
Click to expand...

"which have resulted in a claim" - would this be a claim against you, or a claim regardless of whos fault it was? i.e. you can tick no if it wasn't your fault as you didn't claim against your insurance?
 
I see plenty advice on here about people being hit and everyone says to not inform your own insureer incase they load your premiums and to deal with the insurance company of whomever caused the accident.

Think admirals was
"Have you or anyone named on the policy been involved in an accident in the last 5 years which have resulted in a claim?"
 
~Divine~Wind~ said:
I see plenty advice on here about people being hit and everyone says to not inform your own insureer incase they load your premiums and to deal with the insurance company of whomever caused the accident.
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You don't see this at all and 'everyone' certainly does not advise this.

What people advise is that you allow the third party insurer, not your own, to handle the claim. You MUST inform your own insurer if you have been involved in an accident even if you don't intend to claim through them.
 
Ok let me reword that as "see plenty advice not necessarily from here" lol
Must've misread threads here ut its certainly not the impression I was given *shrug*

So are the circumstances that people are NOT mentioning to their insurers just like car park dings, people opening doors and hitting your cars or little scrapes/scuffs in car parks where no one is owning up to have caused the damage? And people just get it touched up/repainted?
 
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Potentially yes, its pretty well known that you *should* be informing your own insurer about these sorts of situations, whether you take the risk or not is your call.

Similarly with the op, whilst it definitely needs to be declared, I don't know whether I'd be waiting till renewal or doing it now
 
So if you've had an accident on a vehicle for which you do not insure (i.e. as in this case a work vehicle) surely you only need to tell your personal insurance company at the time of renewal? Genuine question. It doesn't make sense to me that you'd have to tell your own insurance straight away - seems to add a lot of unnecessary red tape. I understand that you have to tell them at the time of renewal to answer the question of "have you had an accident in the last 5 years" but surely not straight away?
 
If you check your t&c's there's usually a clause stating something like " if you have an accident at any time you must inform us" which is vague enough not to state one that affects your own policy.

Doubt I would in this case though, not till renewal
 
They want to know if you've crashed anything, in the same way that they want to know if you've been nicked for speeding. This is because it changes your risk profile.
 
This is quiet interesting as i drive a works van quite a lot, if i did have a prang in it it would never occur to me to inform my personal insurance companies. Would i have to inform all 3 i have a policy with? My main car, weekend car & named on my wifes policy all with different companies?
 
sovietspybob said:
This is quiet interesting as i drive a works van quite a lot, if i did have a prang in it it would never occur to me to inform my personal insurance companies. Would i have to inform all 3 i have a policy with? My main car, weekend car & named on my wifes policy all with different companies?
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Yes, you would.
 
jej_knowles said:
Why are people so paranoid about their Insurance providers not paying out if they don't tell them what they had for dinner last night?
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Because they will try to find any loop hole to avoid paying out. They are a business making profit and are not there for the drivers benefit.

When my car was stolen in 2003 the loss assessor went over every detail including how much I drove the car compared to my wife, who last drove it, both our employment details, any history of accidents, claims, motor offences, etc.

Interestingly when I phoned Admiral for a quote this week they also asked whether any driver had been on any speed awareness courses so this needs to be declared to them now.

If they can find any reason not to pay out then they will take it.
 
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