Work/ Car Insurance

[darkside]

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.

+1 on this entirely…

also the accident forms that we use ask for name and home address of driver…

[rjan]

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.

[sinister laugh]!

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.

Well arguably it isn’t any of their business.

If you start from the point of view that insurance is there to distribute the costs of risks, then really very little if any of your private activity is their business.

Yet insurers seem to have succeeded in persuading people that insurance is not there to distribute the costs of risks, but to charge people up front for the cost of all damage they are likely to cause during the term - and if the insurer gets it wrong, then charge them afterwards instead.

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.

I don’t think that’s a reasonable standard at all. Show me the driver who has in his entire life never so much as scratched his undercarriage or clipped his mirror, and I’ll show you a liar.

The question is whether the risks we face should be folded into a premium generally charged to all (and which our wages and incomes will be matched to), or whether insurers should be able to demand access to every aspect of our private lives to try and find correlations and coincidences to justify price hikes.

[sammym]

Conor:

nightline:
All a load of bollox
Why would you report a clame in work to your private car insurance
Is there any question in the form asking have you had a claim in your work
What a load of crap replys
You say nothing to nobody the insurance is not in your name it’s all to do with your employer
Unbelievably

I see the village idiot has chimed in, one who apparently is completely unaware there are these things called computers and databases that store information which can be shared.

You legally have to report any accident you’ve been involved in. To not do so is classed as making a false statement and fraud.

There are questions asking you if you’ve been involved in an accident, it doesn’t specify whether work or not.

Doesn’t matter that you say nothing to the insurance companies because the entire insurance industry have a great big database they can all access with details of all claims including ones from your employer which will have your name on as the driver when the incident occurred. So all they’ll do because you think you’re clever is use the fact you said nothing to nobody to throw your claim out, cancelling your insurance with no refund as well and if they’ve had to pay out to a third party to use that to sue you for all the money they’ve had to pay out. If you’re really unlucky you may find out as some have that a police officer from City of London police is turning up to arrest you for insurance fraud.

Conor I’m not one to chime in and knock you. Usually.

Let’s talk about facts for a single second.

Yes their are databases. Which we all have a lawful right to know what data they hold on us… So we can check before we say anything.

Now let’s look at claims where information has not been provided at the underwriting stage… I’m not going to humiliate you. So let’s start with the facts. If the insurance company can demonstrate you lied knowingly then they may be able to cancel a policy from inception. Also if they can show they would never have undertaken the risk they can cancel the policy from incection. The problem is that proving someone intentionally lied is hard… Especially in the age of comparison sites and automatical newewals (which you will be an expert in the case law do doubt). Furthermore for a standard policy it would be nearly unheard of for them to say they would indemnified at no price for a couple of bumps in a wagon. So the truth is we would be talking about a propotional reduction in payout to the insured party and all third party indemnity being covered.

So come on Conon - tell me I’m wrong and quote the facts. I can’t wait to ‘do a Conor’ and post the case law and regulatory body guidance.

[nightline]

Lost the plot with this post
If you’re car insurance asks have you had any claim in the past it’s based on your private car insurance not if you had a accident in your truck
Period

[acorn]

The encompassing question the insurers ask is when they say ‘about anything’ else the insurers should know- their angle is to know what sort of risk they are taking on, which is why most employers and their insurers want details of any points etc their drivers get whether it’s at work or other times.

[truckerjimbo]

nightline:
Lost the plot with this post
If you’re car insurance asks have you had any claim in the past it’s based on your private car insurance not if you had a accident in your truck
Period

AMEN !!!

When filling out truck company insurance form put in a wrong DOB and for drivers address use your compaines. Simple.

if you want to pay extra for car insurance then good luck muggs.

[truckerjimbo]

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?

Dont know. Lmao

[truckerjimbo]

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

YOU HERO !!!1

MY legal protection insurance was a free extra. It includes criminal defence

[roymondo]

truckerjimbo:

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

YOU HERO !!!1

MY legal protection insurance was a free extra. It includes criminal defence

But we’re not talking about criminal matters…

[rjan]

Acorn:
The encompassing question the insurers ask is when they say ‘about anything’ else the insurers should know- their angle is to know what sort of risk they are taking on, which is why most employers and their insurers want details of any points etc their drivers get whether it’s at work or other times.

In my view, such a question is doubly flawed.

Firstly, because it does not turn a person’s attention to any matter at all (or allow an insurer to argue that any particular matter ought to have been in the insured’s consideration).

Secondly, it invites the insured to form their own view about whether any particular matter which they do consider, is of a kind which the insurer “should” know.

Should an insurer know about matters of which they do not bother to ask the insured? Legislators do not seem to think so, because old law which required insureds to volunteer information which was not asked for, were abolished, and the duty is upon insurers to ask specific questions about the information that they want.

Should an insurer know about matters which, in the insured’s view, are irrelevant to the policy? It would be difficult for an insurer to argue that they should have been told about all irrelevant matters, because providing an irrelevant answer to a question is never something that a person “should” do.

If the insurer contends that matters at work are in fact inherently relevant, then why do they not ask a specific question about it? At least, ask those who declare themselves as occupational drivers?

If the response is that it would involve asking too many questions and soliciting too many answers from drivers, then they have cooked their goose, because that shows they were prepared all along to insure the driver at the premium actually charged, rather than trouble to ask him about matters which they later argue were of profound and unmistakable relevance in the mind of any sensible person.

And this is why the law was changed, to stop insurers trying to haggle over every piece of irrelevant trivia, and instead move the problem onto asking:

1. what specific question did the insurer ask,
2. in what circumstances did he ask it,
3. what would a reasonable insured (not insurer) have understood that question to mean in those circumstances, and
4. did the insured give an honest and reasonable answer to the question in light of the meaning it carries for insureds.

[sunsetdriving]

Rjan:

ETS:
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.

I’ve learnt that the hard way too unfortunately, when you first pass multidrop is probably the easiest thing to get experience on. It really doesn’t pay anywhere near enough at £9 a hour, handball, no sick pay/health benefits, 50-60 hours a week and all the crap that comes with it, I’ll be replaced by another gullible fool who’ll probably go on to make the same mistakes I did.

Talking like I’ve already left but I’ve got an interview next week for something else, no handball, decent pension, sick pay, working 40 hours a week, still likely be a few tricky drops but a lot less hassle, money is also similar as less hours but more per hour.

[nettrucker]

Thought I’d revive this thread rather than start a fresh. I accidentally damaged a customers property with a vehicle a couple of years back that possibly went through my then employers (left shortly after wasn’t sacked) insurance and I’ve never declared it to my own car insurer. It damaged my then employers truck but I’m pretty certain they didn’t make a claim for the damage on their own policy.

Here’s the question. If I do declare it at the time of my next renewal (1 months time) am I looking at being refused insurance off the the back of me not declaring it for the last 2 years? If I say I’ve had an incident do they ask for more information such as date as it was a couple of years ago and I wouldn’t have clue of the specific date? I’m not sure any insurance claim was made although it was at large companies site so I’m really in a tight spot but didn’t leave my last employer under the best circumstances so can’t really get in touch to ask them about the claim

[roymondo]

nettrucker:
Thought I’d revive this thread rather than start a fresh. I accidentally damaged a customers property with a vehicle a couple of years back that possibly went through my then employers (left shortly after wasn’t sacked) insurance and I’ve never declared it to my own car insurer. It damaged my then employers truck but I’m pretty certain they didn’t make a claim for the damage on their own policy.

Here’s the question. If I do declare it at the time of my next renewal (1 months time) am I looking at being refused insurance off the the back of me not declaring it for the last 2 years? If I say I’ve had an incident do they ask for more information such as date as it was a couple of years ago and I wouldn’t have clue of the specific date? I’m not sure any insurance claim was made although it was at large companies site so I’m really in a tight spot but didn’t leave my last employer under the best circumstances so can’t really get in touch to ask them about the claim

Go onto the Motor Insurers Bureau website via this link mib.org.uk/managing-insuran … your-data/

Get the form on the “Your Claims History” section and send it off to them. They will tell you what claims have been recorded against your name.

[harry_monk]

nettrucker:
Thought I’d revive this thread rather than start a fresh. I accidentally damaged a customers property with a vehicle a couple of years back that possibly went through my then employers (left shortly after wasn’t sacked) insurance and I’ve never declared it to my own car insurer. It damaged my then employers truck but I’m pretty certain they didn’t make a claim for the damage on their own policy.

Here’s the question. If I do declare it at the time of my next renewal (1 months time) am I looking at being refused insurance off the the back of me not declaring it for the last 2 years? If I say I’ve had an incident do they ask for more information such as date as it was a couple of years ago and I wouldn’t have clue of the specific date? I’m not sure any insurance claim was made although it was at large companies site so I’m really in a tight spot but didn’t leave my last employer under the best circumstances so can’t really get in touch to ask them about the claim

You won’t be refused insurance. You might have a slight loading on your premium although when I told my car insurer about a minor accident in my truck they weren’t interested. Best approach would be to say that it has only just come to your attention that the insurer might require an at-work claim to be declared which is why you haven’t declared it before, and that you cannot remember the date and have no way of finding it out. If they are that interested they will find it on the MID.