Work/ Car Insurance

[sunsetdriving]

nightline:
Are you for real at what point in the questions does it say anything about commercial insurance
It’s a private car insurance quote and if you are thick enough to declare that then you fit the above post perfect
The question is have you had any accidents on your car NO there is no other question no matter how it’s asked it’s about your private car insurance
I think most of the answers hear are from trolls

I’m not trolling, how/why would I benefit?. I don’t particularly like sharing my experience its been a thoroughly ■■■■ time, my colleagues still take the pee (the ones taking the pee are all in their 50’s and have never declared a single incident in their career because a database didn’t used to exist)and just tell me that I was ‘unlucky’ but I share it in the hope that at least one person won’t have to deal with the ■■■■ I’ve had to go through, simply put if you’ve had an accident it will be on the shared database. if you then go on to have an accident in your own car they could then revoke the policy from inception (because it was gained fraudulently as you didn’t tell them about claims at renewal) which then puts you in a whole different world of pain, its then driving without insurance and you’d also be personally liable for any damage caused.

Trust me, I was adamant like you that commercial and personal policies should be treated separately but at this moment in time they’re not, my car insurance company is only interested in claims within 3 years (some are 5), I have to declare the cancellation for 5 years (according to the ones who cancelled my policy) which is what stops me getting insurance from elsewhere and you’ll notice that most companies ask ‘have you ever had a cancellation’ not ‘in the last 5 years have you had a cancellation’ which is another grey area i’m concerned about, but I’ll deal with that nearer the time as I still have 4 years to run.

Not sure when your renewal is but you’ll find they ask 'have you ever had any incidents/accidents in the last 5 years, this is the trigger upon which if you say no they have you buy the short and curlies if it ever goes wrong.

Just to complicate matters they also want every detail about the claims to be correct aswel, how much the claim was for, who was at fault, the exact date it happened, people have had their insurance cancelled because this tiny detail was wrong, such as wrong month etc

Its probably for another discussion but i’d love to know if there was a way to campaign for a change in the way insurance is dealt with and these claims to be treated separately, I’ve never had a claim on my personal car or bike policy but i’m really paying the price for my career choice, my own insurance has doubled and god forbid if I did have an accident in my own car I would them be quoted worse than a newly passed driver.

[sunsetdriving]

nightline:

Conor:

nightline:
Sounds a bit over the top but if it did happen it’s because you were stupid and gave them the ammunition to [zb] you
It’s all totally [zb] its 2 separate insurance policies one private one commercial and the commercial is nothing to do with your private

You really are a blithering idiot aren’t you?

He did what you’re telling people to do and DID NOT DECLARE HIS TRUCK ACCIDENT for his car policy. The car insurance company did a check and found his name on a claim for an accident in a truck so cancelled his insurance. As he now has to also declare he has had insurance cancelled by an insurer he gets hit for even more money.

They do not care whether it is a commercial policy the claim was on and your car policy is non-commercial.

If you believe the post
As for being a blithering idiot I don’t think so I’m just a big know all like yourself, or think you are
I do not believe the post and anyone who has a accident in a truck and then reports it to there private car insurance is giving themselves problems
Does your agency ask you any questions about your car insurance does, the company you work out of ask you anything about your car insurance and any accidents you had
The two are separated private and commercial nothing to do with each other

Just to clarify (and apologies for all the replies but warning others is now something I feel quite passionate about) I never declared a single accident, the incidents included the reg numbers and these clearly show they happened in a truck (3 different trucks actually) they couldn’t care less what vehicle was involved they just see a claim, on a policy, in a vehicle and that’s it basically.

[rjan]

ETS:

Rjan:
a person is entitled to assume at the outset that his employer is using suitable vehicles and sending him to places appropriate to that vehicle.

On your first point however I will argue that as a driver (or a person with common sense) it’s up to you to make the final call - it’s your license/reputation/insurance premium(s) on the line. That’s coming from someone who’s had a bump (with a steel fence post) himself due to observational failure, which is the 2nd type of fail - poor driving skills which is to be expected as a new driver hence why it’s important to learn to say “No” to customers and employers early on in your career. If you get to a place that’s difficult to get in, be on top of your game - check everywhere, all the time, get out, take a look, ask for help from the customer etc.; if it’s inaccessible for your vehicle, politely refuse or offer to offload somewhere else maybe help them handball it off if you feel like it; if you lose your job over refusing to try to get into a yard/street/place that’s inaccessible then clearly it’s not a job worth having.

It’s not always so simple. We often learn to say “no” after sustaining these sorts of bumps, and seeing situations in which they happen, or after experiencing such overwhelming difficulty and such high risk of a bump that we take our shirts off to dry them and say “I’m not doing that again”.

If driving judgements were all just a case of being cautious, we would not need driving lessons to get our licences - we would just set out with our instructions to be especially cautious, and ride slowly but safely off into the sunset.

Being cautious often means allocating more concentration to one thing at the expense of another, which is why sometimes genuine difficulties or hassles which we are not already accustomed to handle, lead to silly and apparently unrelated mistakes.

When maneouvering, there is only so far that “going slow” allows you to cope with an increasing number of different hazards and complex judgements at once which you are not trained and accustomed to handle.

Getting out, if you have to do it more than once or twice (i.e. the outcome of the check is not that you’ve got bags of room to work with), also doesn’t help much because you’ll quickly become flustered from the physical exertion and the switching of mental context, and your judgements will suffer.

The advice we give to ourselves as drivers - take it easy, get out and have a look, you’re responsible for this thing, learn to say no, etc - should not become the absolute standard to which we are held, or deviations from which are assumed to be blameworthy and the cause of all problems.

Those are in practice the bad attitudes of managers, who pressure and induce drivers to take unreasonable risks then try to shift all blame for the consequences.

We are all held to other standards and norms too, to make reasonable progress, to take reasonable risks, not to cause undue delay to other road users. Avoiding damage is not the singular imperative of a driver.

We cannot simply choose to come back to a difficult maneouver tomorrow when we feel a little less tired or a little less exhausted, or stop in the middle and resume a little later after a refreshing cup of tea, and since these are the conditions under which we must operate, mistakes must occasionally be accepted without being tyrannised by penalties or it being suggested that our attitudes to damage are all wrong.

There are very few drivers who are not embarrassed by any damage, and very few drivers who would choose to cause damage when they can as easily avoid it.

[ets]

Rjan:
It’s not always so simple. We often learn to say “no” after sustaining these sorts of bumps, and seeing situations in which they happen, or after experiencing such overwhelming difficulty and such high risk of a bump that we take our shirts off to dry them and say “I’m not doing that again”.

If driving judgements were all just a case of being cautious, we would not need driving lessons to get our licences - we would just set out with our instructions to be especially cautious, and ride slowly but safely off into the sunset.

Being cautious often means allocating more concentration to one thing at the expense of another, which is why sometimes genuine difficulties or hassles which we are not already accustomed to handle, lead to silly and apparently unrelated mistakes.

When maneouvering, there is only so far that “going slow” allows you to cope with an increasing number of different hazards and complex judgements at once which you are not trained and accustomed to handle.

Getting out, if you have to do it more than once or twice (i.e. the outcome of the check is not that you’ve got bags of room to work with), also doesn’t help much because you’ll quickly become flustered from the physical exertion and the switching of mental context, and your judgements will suffer.

The advice we give to ourselves as drivers - take it easy, get out and have a look, you’re responsible for this thing, learn to say no, etc - should not become the absolute standard to which we are held, or deviations from which are assumed to be blameworthy and the cause of all problems.

Those are in practice the bad attitudes of managers, who pressure and induce drivers to take unreasonable risks then try to shift all blame for the consequences.

We are all held to other standards and norms too, to make reasonable progress, to take reasonable risks, not to cause undue delay to other road users. Avoiding damage is not the singular imperative of a driver.

We cannot simply choose to come back to a difficult maneouver tomorrow when we feel a little less tired or a little less exhausted, or stop in the middle and resume a little later after a refreshing cup of tea, and since these are the conditions under which we must operate, mistakes must occasionally be accepted without being tyrannised by penalties or it being suggested that our attitudes to damage are all wrong.

There are very few drivers who are not embarrassed by any damage, and very few drivers who would choose to cause damage when they can as easily avoid it.

So what are you going to do about it? Could/should/would…that’s all very true/cute, but things are what they are. You as a driver can only control your own decisions and actions. Do you want to keep going to hard places and do risky maneuvers? If yes, then keep practicing until you get good at it. Just keep in mind that this practice is going to take time and require you to take even more risks in an uncontrolled environment until eventually you get so good you don’t even need to look (or something…) again keep in mind you might still have that day when your skills/xp will fail you and you might have that bump anyway. Don’t wanna do it? Change your job. Want to change the insurance system? Start a petition or something, I’ll sign it. Don’t know what else I/you/we can do about it. Pointing out obvious things that are outside of our control as drivers doesn’t really help in any way.

I’ve decided for myself that multidrop or any delivery to silly places is not something I’m willing to do as the compensation for the hugely increased risk is far, far from worth it - hence I’ve declined (skipped) deliveries I deemed too risky/outright impossible, eventually changed jobs and I’m much happier.

[the-snowman]

nightline:
The question is have you had any accidents on your car NO there is no other question no matter how it’s asked it’s about your private car insurance

Hmmmm…

nightline:
I think most of the answers hear are from trolls

Nah, just yours so far

[rjan]

ETS:
So what are you going to do about it? Could/should/would…that’s all very true/cute, but things are what they are. You as a driver can only control your own decisions and actions. Do you want to keep going to hard places and do risky maneuvers? If yes, then keep practicing until you get good at it. Just keep in mind that this practice is going to take time and require you to take even more risks in an uncontrolled environment until eventually you get so good you don’t even need to look (or something…) again keep in mind you might still have that day when your skills/xp will fail you and you might have that bump anyway. Don’t wanna do it? Change your job. Want to change the insurance system? Start a petition or something, I’ll sign it. Don’t know what else I/you/we can do about it. Pointing out obvious things that are outside of our control as drivers doesn’t really help in any way.

Well, we could probably start by rejecting the idea (as some have expressed) that all damage is negligent on the driver’s part, or that all damage can be avoided even by those with no experience of causing damage (nor of seriously risking it).

We could also start by rejecting the principle that insurers are allowed to use any excuse to increase our premiums. Insurers should be under the jackboot of heavy regulation, not left to be a law unto themselves using any old excuse to try and swindle increases.

I’ve decided for myself that multidrop or any delivery to silly places is not something I’m willing to do as the compensation for the hugely increased risk is far, far from worth it - hence I’ve declined (skipped) deliveries I deemed too risky/outright impossible, eventually changed jobs and I’m much happier.

My attitude is much the same.

[raymundo]

The-Snowman:

nightline:
The question is have you had any accidents on your car NO there is no other question no matter how it’s asked it’s about your private car insurance

Hmmmm…
0

nightline:
I think most of the answers hear are from trolls

Nah, just yours so far

[biggriffin]

nightline:

Juddian:
Why would you risk your insurer denying a claim because you didn’t make full disclosure.

A serious enough bump could easily wipe you out financially, remember that house you paid for over many years of hard graft now worth north of £250K, well if you caused someone to have life changing injuries the insurer might pay them out as a third party claim in order to keep their reputation, but without a doubt they’ll come to you, the person who lied at the time, for the money.

A good opportunity to re-iterate for those who work at more than one site, check the small print, most policies that include commuting are to one place of work only, so class 1 business use is required, again another risk not worth taking…just out of interest Direct Line include business use in their comp policies, and by not paying the comparison sites (you won’t find them on there) their policies are very good value.

Because your insurer is not your private car insurance it’s commercial totally different totally separate
Only a fool would report a truck accident to his private car insurance

^^^^^this^^^^

You never give your home address when dealing with insurance in regards to company vehicles, your details on the database are linked thro your home postcode/address.

Ask any independent insurance assessor, If you freely give your work accident history to your private car insurance company, then that’s your choice.

[ets]

biggriffin:
^^^^^this^^^^

You never give your home address when dealing with insurance in regards to company vehicles, your details on the database are linked thro your home postcode/address.

But the company already has your details and address (it’s on your driving license, without it they won’t hire you…)

[truckerjimbo]

nightline:

Conor:

nightline:
Sounds a bit over the top but if it did happen it’s because you were stupid and gave them the ammunition to [zb] you
It’s all totally [zb] its 2 separate insurance policies one private one commercial and the commercial is nothing to do with your private

You really are a blithering idiot aren’t you?

He did what you’re telling people to do and DID NOT DECLARE HIS TRUCK ACCIDENT for his car policy. The car insurance company did a check and found his name on a claim for an accident in a truck so cancelled his insurance. As he now has to also declare he has had insurance cancelled by an insurer he gets hit for even more money.

They do not care whether it is a commercial policy the claim was on and your car policy is non-commercial.

If you believe the post
As for being a blithering idiot I don’t think so I’m just a big know all like yourself, or think you are
I do not believe the post and anyone who has a accident in a truck and then reports it to there private car insurance is giving themselves problems
Does your agency ask you any questions about your car insurance does, the company you work out of ask you anything about your car insurance and any accidents you had
The two are separated private and commercial nothing to do with each other

Nightline don`t waste your time lad, Your not going to beat the keyboard warrors. LMAO.

Do I need to declare an accident to my train company?? PMSL

[truckerjimbo]

ETS:

biggriffin:
^^^^^this^^^^

You never give your home address when dealing with insurance in regards to company vehicles, your details on the database are linked thro your home postcode/address.

But the company already has your details and address (it’s on your driving license, without it they won’t hire you…)

An this is against GDPR !!! read up on it.

[truckerjimbo]

Juddian:
Why would you risk your insurer denying a claim because you didn’t make full disclosure.

A serious enough bump could easily wipe you out financially, remember that house you paid for over many years of hard graft now worth north of £250K, well if you caused someone to have life changing injuries the insurer might pay them out as a third party claim in order to keep their reputation, but without a doubt they’ll come to you, the person who lied at the time, for the money.

A good opportunity to re-iterate for those who work at more than one site, check the small print, most policies that include commuting are to one place of work only, so class 1 business use is required, again another risk not worth taking…just out of interest Direct Line include business use in their comp policies, and by not paying the comparison sites (you won’t find them on there) their policies are very good value.

A normal person would have home insurance and would normally include legal liability. YOUR COVERED AGAINST THIS.

[truckerjimbo]

The-Snowman:

nightline:
The question is have you had any accidents on your car NO there is no other question no matter how it’s asked it’s about your private car insurance

Hmmmm…
0

nightline:
I think most of the answers hear are from trolls

Nah, just yours so far

I think this troll works for an insurance company. The bIGGEST crooks on the planet.

[the-snowman]

truckerjimbo:

The-Snowman:

nightline:
The question is have you had any accidents on your car NO there is no other question no matter how it’s asked it’s about your private car insurance

Hmmmm…
0

nightline:
I think most of the answers hear are from trolls

Nah, just yours so far

I think this troll works for an insurance company. The bIGGEST crooks on the planet.

Who, me or nightline?

[juddian]

For those desperate to keep their work accident rate secret (and you really think they won’t find out anyway if there’s a large claim on the cards ) from their own car insurer, just how many bloody accidents are we talking about here…is it a case of lists on a separate sheet or two

Tell yer what, you lot carry on doing it your way and the best of luck with that, and the rest of us will make sure we’re covered.
There fixed it for all

[roymondo]

truckerjimbo:

Juddian:
Why would you risk your insurer denying a claim because you didn’t make full disclosure.

A serious enough bump could easily wipe you out financially, remember that house you paid for over many years of hard graft now worth north of £250K, well if you caused someone to have life changing injuries the insurer might pay them out as a third party claim in order to keep their reputation, but without a doubt they’ll come to you, the person who lied at the time, for the money.

A good opportunity to re-iterate for those who work at more than one site, check the small print, most policies that include commuting are to one place of work only, so class 1 business use is required, again another risk not worth taking…just out of interest Direct Line include business use in their comp policies, and by not paying the comparison sites (you won’t find them on there) their policies are very good value.

A normal person would have home insurance and would normally include legal liability. YOUR COVERED AGAINST THIS.

Er - no they would not. Home contents insurance indemnifies you against claims for losses arising from your occupation of the house - eg people injured while on your property.

The legal protection insurance which is often provided as an addition (often an extra-cost option) typically covers your costs incurred in taking legal action against someone who has injured you - most of them don’t cover your costs in defending against someone who claims YOU injured them (unless it took place on your property). In any case the policy will only cover legal costs (ie solicitors’ fees etc, not any compensation awarded by the court) and will normally be limited to a few tens of £000s anyway. Many of them also specifically exclude claims arising from motor vehicle accidents.

Sent from my CLT-L09 using Tapatalk

[rjan]

Juddian:
For those desperate to keep their work accident rate secret (and you really think they won’t find out anyway if there’s a large claim on the cards ) from their own car insurer, just how many bloody accidents are we talking about here…is it a case of lists on a separate sheet or two

Tell yer what, you lot carry on doing it your way and the best of luck with that, and the rest of us will make sure we’re covered.
There fixed it for all

If he was trying to keep a secret about it then he did not do very well by posting it all here.

I do not see the problem as being about some people trying to hide their accident history, but about the fact that when we as drivers are forced to run risks as part of our employment, there is no proper reason why that should be taken into account by insurers in our personal lives for private policies.

The man in the factory minding a machine does not face a hike in his car insurance because he happens to cause some accident, damage, or waste in connection with his job. Why should a vocational driver?

Secondly, the problem is about insurers trying to avoid their very responsibility as insurers, to pool and spread the costs of risks amongst us, across our lives, and across events which put us at temporarily increased risk (for example, a divorce, or the death of a child).

The zeal with which you and others attempt to promote the bad behaviour of insurers, and become giddy at the idea of inflicting punishments on those you consider inferior drivers, is absurd.

[the-snowman]

Rjan:
If he was trying to keep a secret about it then he did not do very well by posting it all here.

I dont think Boris1971 is his real name

[juddian]

Rjan:

Juddian:
For those desperate to keep their work accident rate secret (and you really think they won’t find out anyway if there’s a large claim on the cards ) from their own car insurer, just how many bloody accidents are we talking about here…is it a case of lists on a separate sheet or two

Tell yer what, you lot carry on doing it your way and the best of luck with that, and the rest of us will make sure we’re covered.
There fixed it for all

The zeal with which you and others attempt to promote the bad behaviour of insurers, and become giddy at the idea of inflicting punishments on those you consider inferior drivers, is absurd.

God, i just know i’m going to regret this.

What bad behaviour of insurers?
Insurer asks question have you had any accidents or claims or prosecutions, they don’t say did you have any claims in the vehicles you personally insured for the last 5 years, in the same token if you had a bump in your wife’s car that you are named driver would you withold that too as being none of their business.

Thing is, as many here like to say they are professional drivers, so one would expect them to have an accident free, or at least a blameless accident record because they are professional…i call myself a vocational driver by the way, for clarity…so an insurer would expect their formal question to be met with a no accidents and no claims answer.

yes i do put money where gob is, if i’ve had an incident at work, and the minor one i had i as blameless and no claim either way, i reported it to me insurer when i took out the next insurance, and i shall continue to mention it until time has expired, it makes not a scrap of difference to my premium, but being on record means i’m covered 100% in the event i caused an accident in my own cars.

[corij]

a friend who works in insurance told me that once youre down on their records as a fraudster you cant ever put in a claim later. id mentioned id employed a bloke who had a minor crash who then went on to claim total paralysis[ while still working as normal ] his claim went nowhere but she told me he will be on the record now