Two months ago I was on a farm unloading sawdust from a walking floor. The farm is very tight and requires very precise reversing to get the trailer into position for unloading. About half way through the job the farmer asked me to move forward about a metre and he was watching my blindside (as the Angle the unit was on I could not see at all) he was signalling me to go forward then all of a sudden he ran across the back of the trailer. So I got out and started walking towards where he was stood, at which point he emerged saying I’d knocked the corner of the shed roof which cause 6/7 joists to fall down.
so done all the usual, informed the office etc. We tipped the rest of the load and I was on my way.
The problem I need help with is I just renewed my car insurance ,£500 for the year. Then I get a letter saying my policy will now be £1200 due to an accident recorded on the insurance database about the farm incident! Surely and accident whilst unloading a walking floor with your back doors open on a really tight farm yard should not be affecting my car insurance? Or am I wrong?
Simmo2955:
The problem I need help with is I just renewed my car insurance ,£500 for the year. Then I get a letter saying my policy will now be £1200 due to an accident recorded on the insurance database about the farm incident!
Just to clarify, you’ve already paid £500 for this years car insurance, got a certificate and they’re telling you next years will be £1200?
I paid £500 for the insurance last week. Since then they have searched the insurance database and found the info about farm accident and sent me a letter saying that I didn’t tell them about this claim and the new premium will be increasing to the new amount. I only received letter in post yesterday.
Thanks
I hate insurance companies with a passion. It seems to me that if you already had a deal with them, then they can’t renege on that deal BUT, I’m not a solicitor. It’s possible that if you don’t concede to their demands, they might possibly cancel your policy. It’s certainly unfair that we can be penalised for work related accidents on our private car insurance. It’s the first I’ve heard of them doing it but, it doesn’t surprise me how low they’ll go fer profit.
Tell them that you HAD a deal with them and why should you now have to cough up more because something has come up that now affects their pricing structure?
If that doesn’t change their minds, then look for another provider. Years ago, I got snapped by a camera in my car, my insurer at the time wanted to increase my premium because of that. I shopped around on t’interwebby and found a new insurer who despite my newly accrued 3 points gave me a better price quote than the origional quote from the last lot. I got my credit card out there and then.
Simmo2955:
Hi everyone, just looking for some info/advice.
Two months ago I was on a farm unloading sawdust from a walking floor. The farm is very tight and requires very precise reversing to get the trailer into position for unloading. About half way through the job the farmer asked me to move forward about a metre and he was watching my blindside (as the Angle the unit was on I could not see at all) he was signalling me to go forward then all of a sudden he ran across the back of the trailer. So I got out and started walking towards where he was stood, at which point he emerged saying I’d knocked the corner of the shed roof which cause 6/7 joists to fall down.
so done all the usual, informed the office etc. We tipped the rest of the load and I was on my way.
The problem I need help with is I just renewed my car insurance ,£500 for the year. Then I get a letter saying my policy will now be £1200 due to an accident recorded on the insurance database about the farm incident! Surely and accident whilst unloading a walking floor with your back doors open on a really tight farm yard should not be affecting my car insurance? Or am I wrong?
Any help much appreciated!
Surely its your Company Insurance that gets involved,not your personal car insurance,unless your an owner driver
Not many drivers,if any,get increased car insurance for having an accident in a company wagon,I never have.
Yeah I think it’s really unfair! Fair enough if I’d crashed into someone I’d accept that but the situation in my eyes does not relate to a road accident, and therefore shouldn’t be recorded as such. I’ll be speaking to my employer tomorrow to see if there’s anything that can be done
If not I think a change of job maybe on the cards as its all farm work and access is a nightmare to 90% of them. I e been doing it over a year with only one incident but it could quite as easily happen again on another tight job then my insurance goes up again. Annoyed doesn’t come close to how I feel about this!
All accidents in any company vehicles (thats every company in uk) that claims are made get put on the motor insurance database. And will show up when insuring private cars, and have to be declared. Looks like they are starting to impliment it.
And yes they can put the price up if you failed to declare a claim/accident.
All accidents in any company vehicles (thats every company in uk) that claims are made get put on the motor insurance database. And will show up when insuring private cars, and have to be declared. Looks like they are starting to impliment it.
And yes they can put the price up if you failed to declare a claim/accident.
Dirty, two faced, money grubbing, low life, scumbag, dishonest, profit moitivated, devious, small print worshipping, deal breaking, red tape loving insurance companies!
Simmo2955:
Yeah I think it’s really unfair! Fair enough if I’d crashed into someone I’d accept that but the situation in my eyes does not relate to a road accident, and therefore shouldn’t be recorded as such. I’ll be speaking to my employer tomorrow to see if there’s anything that can be done
If not I think a change of job maybe on the cards as its all farm work and access is a nightmare to 90% of them. I e been doing it over a year with only one incident but it could quite as easily happen again on another tight job then my insurance goes up again. Annoyed doesn’t come close to how I feel about this!
Your main problem is not declaring the claim, lf you had done like you are supposed to do your broker would have got a price with this claim on, which might have been just a few quid dearer, you have now been penalised by the insurance provider for giving them wrong information, even if you got a quote now with this claim on and the price wasn’t affected you would still have to pay the extra on your current policy, you then have 2 options, pay the extra they are asking for because they will cancel your policy if you refuse to, or you cancel it and lose a percentage off the premium you paid and go with the new provider.
I have just had something slightly similar, I did declare a claim on motorcycle insurance for a claim on my motorcycle insurance and got charged an extra £9 on top of a policy that had already been paid for, only problem was I put the claim down as a non fault instead of an at fault claim, if i had of declared it as at fault my insurance would not have been affected.
I also wasn’t happy as the claim i made was for my car getting written off by a hit and run driver and got paid out for it, it was deemed as an at fault claim because my insurance company couldn’t claim off any one else.
Simmo2955:
Yeah I think it’s really unfair! Fair enough if I’d crashed into someone I’d accept that but the situation in my eyes does not relate to a road accident, and therefore shouldn’t be recorded as such. I’ll be speaking to my employer tomorrow to see if there’s anything that can be done
If not I think a change of job maybe on the cards as its all farm work and access is a nightmare to 90% of them. I e been doing it over a year with only one incident but it could quite as easily happen again on another tight job then my insurance goes up again. Annoyed doesn’t come close to how I feel about this!
Your main problem is not declaring the claim, lf you had done like you are supposed to do your broker would have got a price with this claim on, which might have been just a few quid dearer, you have now been penalised by the insurance provider for giving them wrong information, even if you got a quote now with this claim on and the price wasn’t affected you would still have to pay the extra on your current policy, you then have 2 options, pay the extra they are asking for because they will cancel your policy if you refuse to, or you cancel it and lose a percentage off the premium you paid and go with the new provider.
I have just had something slightly similar, I did declare a claim on motorcycle insurance for a claim on my motorcycle insurance and got charged an extra £9 on top of a policy that had already been paid for, only problem was I put the claim down as a non fault instead of an at fault claim, if i had of declared it as at fault my insurance would not have been affected.
I also wasn’t happy as the claim i made was for my car getting written off by a hit and run driver and got paid out for it, it was deemed as an at fault claim because my insurance company couldn’t claim off any one else.
I didn’t declare it as I didn’t think it’s would be registered against my name on the database and due to the circumstances I don’t think it should be either! I’ve never been involved in an accident in a car or hgv in my 16 years of driving, so to be paying more than double for me personal car insurance for this seems pathetic!
weeto:
Your main problem is not declaring the claim, lf you had done like you are supposed to do your broker would have got a price with this claim on, which might have been just a few quid dearer, you have now been penalised by the insurance provider for giving them wrong information, even if you got a quote now with this claim on and the price wasn’t affected you would still have to pay the extra on your current policy, you.
I see what you’re saying and I agree but, how can someone declare something that they weren’t aware they had to declare? (that make sense?)
Up until 5 minutes ago, I didn’t know about this. Would have been nice of the insurance companies to let us know in big letters (not hidden in the pages of small print) that they could now involve work related information. But that would affect their profit margins…of course…silly me.
Simmo2955:
Hi everyone, just looking for some info/advice.
Two months ago I was on a farm unloading sawdust from a walking floor. The farm is very tight and requires very precise reversing to get the trailer into position for unloading. About half way through the job the farmer asked me to move forward about a metre and he was watching my blindside (as the Angle the unit was on I could not see at all) he was signalling me to go forward then all of a sudden he ran across the back of the trailer. So I got out and started walking towards where he was stood, at which point he emerged saying I’d knocked the corner of the shed roof which cause 6/7 joists to fall down.
so done all the usual, informed the office etc. We tipped the rest of the load and I was on my way.
The problem I need help with is I just renewed my car insurance ,£500 for the year. Then I get a letter saying my policy will now be £1200 due to an accident recorded on the insurance database about the farm incident! Surely and accident whilst unloading a walking floor with your back doors open on a really tight farm yard should not be affecting my car insurance? Or am I wrong?
Any help much appreciated!
I really can’t believe that the insurance company paid the farmer out considering he was directing you near his buildings when you couldn’t see, this is the reason drivers have banks men in these tight situations and it would be their responsibilaty to stop you from causing any damage or injury, there is no way I would have accepted liabilty in a case like that, it was the farmers own fault for letting you move.
Simmo2955:
Yeah I think it’s really unfair! Fair enough if I’d crashed into someone I’d accept that but the situation in my eyes does not relate to a road accident, and therefore shouldn’t be recorded as such. I’ll be speaking to my employer tomorrow to see if there’s anything that can be done
If not I think a change of job maybe on the cards as its all farm work and access is a nightmare to 90% of them. I e been doing it over a year with only one incident but it could quite as easily happen again on another tight job then my insurance goes up again. Annoyed doesn’t come close to how I feel about this!
Your main problem is not declaring the claim, lf you had done like you are supposed to do your broker would have got a price with this claim on, which might have been just a few quid dearer, you have now been penalised by the insurance provider for giving them wrong information, even if you got a quote now with this claim on and the price wasn’t affected you would still have to pay the extra on your current policy, you then have 2 options, pay the extra they are asking for because they will cancel your policy if you refuse to, or you cancel it and lose a percentage off the premium you paid and go with the new provider.
I have just had something slightly similar, I did declare a claim on motorcycle insurance for a claim on my motorcycle insurance and got charged an extra £9 on top of a policy that had already been paid for, only problem was I put the claim down as a non fault instead of an at fault claim, if i had of declared it as at fault my insurance would not have been affected.
I also wasn’t happy as the claim i made was for my car getting written off by a hit and run driver and got paid out for it, it was deemed as an at fault claim because my insurance company couldn’t claim off any one else.
I didn’t declare it as I didn’t think it’s would be registered against my name on the database and due to the circumstances I don’t think it should be either! I’ve never been involved in an accident in a car or hgv in my 16 years of driving, so to be paying more than double for me personal car insurance for this seems pathetic!
Have you gone on line to get a quote with this claim on? because not all insurance companies increase the premium by the same amount, it may work out cheaper to cancel this policy and pay for another, mine wouldn’t back down for £9 so youve no chance.
Simmo2955:
Yeah I think it’s really unfair! Fair enough if I’d crashed into someone I’d accept that but the situation in my eyes does not relate to a road accident, and therefore shouldn’t be recorded as such. I’ll be speaking to my employer tomorrow to see if there’s anything that can be done
If not I think a change of job maybe on the cards as its all farm work and access is a nightmare to 90% of them. I e been doing it over a year with only one incident but it could quite as easily happen again on another tight job then my insurance goes up again. Annoyed doesn’t come close to how I feel about this!
Your main problem is not declaring the claim, lf you had done like you are supposed to do your broker would have got a price with this claim on, which might have been just a few quid dearer, you have now been penalised by the insurance provider for giving them wrong information, even if you got a quote now with this claim on and the price wasn’t affected you would still have to pay the extra on your current policy, you then have 2 options, pay the extra they are asking for because they will cancel your policy if you refuse to, or you cancel it and lose a percentage off the premium you paid and go with the new provider.
I have just had something slightly similar, I did declare a claim on motorcycle insurance for a claim on my motorcycle insurance and got charged an extra £9 on top of a policy that had already been paid for, only problem was I put the claim down as a non fault instead of an at fault claim, if i had of declared it as at fault my insurance would not have been affected.
I also wasn’t happy as the claim i made was for my car getting written off by a hit and run driver and got paid out for it, it was deemed as an at fault claim because my insurance company couldn’t claim off any one else.
I didn’t declare it as I didn’t think it’s would be registered against my name on the database and due to the circumstances I don’t think it should be either! I’ve never been involved in an accident in a car or hgv in my 16 years of driving, so to be paying more than double for me personal car insurance for this seems pathetic!
Have you gone on line to get a quote with this claim on? because not all insurance companies increase the premium by the same amount, it may work out cheaper to cancel this policy and pay for another, mine wouldn’t back down for £9 so youve no chance.
I can’t get any quotes at the minute as its asking me to enter the claim amount in £’s and as I have no idea what the amount was I can continue with the quote. Will have to wait until I’ve spoken with my employer tomorrow and then take it from there. I will be going online once I have the details to see if I can get a better deal!
It’s the CUE database insurancedatabases.co.uk they use not the MID when it comes to finding out if you’ve been involved in a accident.
I had exactly the same on a business policy after someone drove into me in my personal car (yes it works both ways)
My broker said I was extremely unlucky as they only tend to cross reference every couple of thousand people and I was one of them.
After much fighting and battling the insurers they finally relented when the other party accepted liability and my ‘claim’ (I didn’t make a claim on my policy, I was paid out fully from the third party insurers) was removed off the database.
With regard telling your insurers about accidents, most policies now (if not all) come with the small print that includes you notify them of any accident you are involved in including while driving a company vehicle. This is not only at renewal but if during your policy you have an accident you should inform them.
It stung me for about an extra £50 at renewal but as ever Cornmarket did all they could to help.
Simmo2955:
I paid £500 for the insurance last week. Since then they have searched the insurance database and found the info about farm accident and sent me a letter saying that I didn’t tell them about this claim and the new premium will be increasing to the new amount.
It would be interesting to find out which database.
The CUE motor database is only supposed to record claims against policyholders, and even then they have to have the permission of the individuals whose data they process (the policyholder may give their permission as part of their contract, but it is unlikely that other individuals involved have). It is not, as far as I know, a searchable index of all drivers’ accident history.
I would begin to address the matter by informing your insurer that you wish to make a formal complaint, as firstly the circumstances of the farm claim make it immaterial to your private car policy (such that you did not even connect the matter in your own mind when you applied for the policy), and secondly you suspect your data is being processed without your permission and wish to understand more about their source of the farm claim information.
If they assert the information is material, amongst the things you should point out is that it happened in a large goods vehicle, on private land, at a near-zero speed, on premises you were sent to by your employer, manoeuvring under difficult conditions, and under the instruction and supervision of the landowner (who was giving you instructions in relation to hazards you could not directly observe). There has to be a point at which the calculated risks taken by the operators of goods vehicles (or their customers) who instruct you to undertake difficult manoeuvres with very little margin for error, does not logically bear on the risk the driver poses when acting autonomously during their own private motoring.
Make it clear that you will proceed to the Financial Ombudsman if they do not see things your way.
It does usually ask for details of any motor vehicle accident claim in last 5 years so you must include HGV claims as well but they are totally out of order more than doubling the premium.
If you bought it online then you have 14 days to cancel it without penalties apart from admin fee.
Simmo2955:
I didn’t declare it as I didn’t think it’s would be registered against my name on the database and due to the circumstances I don’t think it should be either!
I sympathise with you. However, the legal position is that it is no different to getting a speeding endorsement while driving a truck, it has to be declared when renewing car insurance.
Simmo2955:
I didn’t declare it as I didn’t think it’s would be registered against my name on the database and due to the circumstances I don’t think it should be either!
I sympathise with you. However, the legal position is that it is no different to getting a speeding endorsement while driving a truck, it has to be declared when renewing car insurance.
The reason endorsements have to be declared is simply because they ask about endorsements.
They do not typically ask specific questions about HGV drivers involved in damage happening at work, and before you refer to any more law, I can tell you the law is now quite clear that consumers do not have to volunteer any information unless a clear and specific question is asked - because indeed, like the OP, most people would not consider what happens in the employment domain to be relevant to what happens in the private motoring domain (particularly if the employer considered it to be acceptable damage rather than driver misconduct).