IF we have to tell insurance companies about hits in hgvs do we get to use them to build up no claims bonus?
ajt:
Its not a legal requirement that you have to have car insurance to drive a company HGV so the idea that somebody claiming against a accident you had with a third party in your truck and then somehow coming after your own personal car insurer is a little far fetched.
If this was a legal requirement, any trucker who didn’t have their own valid car insurance would be driving uninsured in a works truck. Its simply not the case.Insurance companies ask about accidents and convictions in the last 5 years etc: this is based on any claims made on your own insurance (risk factors). With truckers being on fleet insurance, you are not a named driver, you don’t have a no claims bonus or any entitlement to it and any claim is on block insurance not against you as a name personally. You are not the one who is making any claim or being claimed against.
The vast majority of Insurers are asking about accidents, incidents, losses or claims (Generally with the caveat "whether a claim was made or not) relating to any motor vehicle you drive.
Most Insurers as well as companies who self Insurer such as local authorities etc (Not all) subscribe to the Claims and Underwriting Exchange, membership of it requires them to record all claims and incidents reported to them.
Most fleet policies will record the details of a claim or incident against the name of the driver of the vehicle (Including HGVs) which is one of the reasons they ask for the details of the driver at the time of the accident.
insurancedatabases.co.uk/default.aspx note the list of Insurers who are members at the bottom of the page along with bus companies and a few HGV companies such as TNT and Ryder who either self insure or use the website for fraud detection.
You can find out what information the database holds on you for a small fee insurancedatabases.co.uk/def … protection
You also need to be aware that if your fleet policy is with say RSA, if you then take out a car policy with RSA or one of their sister companies such as More Than they have the ability to cross refer whether you’ve had a claim or accident with their fleet arm. Many companies check CUE and / or their own databases shortly after you arrange cover, when they discover an undisclosed claim will write and cancel your policy. If this happens you will have a cancelled policy on your record which can make it very difficult (Very expensive) to arrange any type of Insurance including motor, home and life insurance.
Others will make the checks when you make a claim especially a fire or theft or expensive accident, this can result in the Insurer requiring the extra premium they may have charged if you had declared the claim plus any admin fee before they will deal with the accident, others may void the policy leaving you to pay your own damage and ultimately the costs of the third party if you were at fault.
Contrary to what a previous poster has mentioned, there are circumstances where information Intentionallywas not disclosed where an Insurer can void the policy and not pay the third party claim.
ajt:
Its not a legal requirement that you have to have car insurance to drive a company HGV so the idea that somebody claiming against a accident you had with a third party in your truck and then somehow coming after your own personal car insurer is a little far fetched.
If this was a legal requirement, any trucker who didn’t have their own valid car insurance would be driving uninsured in a works truck. Its simply not the case.
What on Earth are you talking about? Are you aware what we are discussing here because you seem a bit lost.
prob going back 6 years or more, was insured with swinton, renewal came thru and it was very expensive, especially compared to comparison web sites where swinton were £200 or more less then there own renewal, well went to a different insurer, after a few weeks had a letter from my new insurer cancelling my insurance as i had lied and failed to tell them about an accident in my car, never had an accident and when asked the new insurer said swinton had informed them about said accident when they were contacted for proof of no claims. spoke to swinton, yes on record there were details that I had a accident, when i asked for proof of this, they did not have any and said it was a no claim incident but recorded on file, when i asked who had told them they could not give details just said someone had phoned them to say i was involved in an accident. to remove this I had to deal with insurance ombudsmen but took nearly 12 months with me paying higher premiums. It still came to light on renewals for a couple of more years after.
no wonder more and more are not bothering…
trubster:
They ask if you have had “ANY Accidents, Claims or Losses in the last 5 years, irrespective of blame”So, yes you should tell them as it COULD be cross referenced and invalidate your policy (except third party cover)
Not " could", it definitely will be cross ref’d
ajt:
Insurance companies ask about accidents and convictions in the last 5 years etc: this is based on any claims made on your own insurance (risk factors). With truckers being on fleet insurance, you are not a named driver, you don’t have a no claims bonus or any entitlement to it and any claim is on block insurance not against you as a name personally. You are not the one who is making any claim or being claimed against.
When you fill out an insurance form after you prang a truck, you put your name and other personal details (driving licence number for example) on it as required. That form then goes back to the insurance company who put the details, including your name, on to their records.
So it matters not a jot whether you or the company were being claimed against. The fact remains that an accident has been reported to the insurance company and you were the driver. If you then tell your car insurance company that you have not had any accidents, they check your name and details against their database, find out that you are quite obviously lying, so you therefore risk losing your cover. Simple as that.
say nothing…that works for me…worry about it when you have to. same as if you rent a van for a 1 day rental,you pay the rental,you pay the 1 day insurance,then crash it into your mates motor and write it off for him. pay the excess,and walk away,job done…say nothing. if you have a middle name on your licence,then use that for the other insurance. the licence number stays the same though,but some may flag up,and most don’t…mums the word… 
I think it depends on the type of accident, if for example you knocked off the rear light, then your company is unlikely to claim off of their insurance due to the excess, a company I worked for had £350 grands worth of own repairs as the excess and cover was so high, you could try and find out if your accident was reported to their insurers or repaired themselves, that way you wouldn’t have to notify your car insurers. Personally I would plead ignorance and not say anything.
Do you notify your insurance.
If you drop a trailer is that an accident.
The documentary life in the fast lane a month ago about the motorway.
The high ways agency said If a road side accident causes damage to the road surface the high ways agency recovers the repair cost from the insurers.
My premium or theirs.
How can your company share details with their insurer about you without your permission “data protection act”
In the event of a crash all their insurer needs is evidence you can drive, you’re not telling porkies about points etc. They don’t need your address or dob or any other info that could be used to trace you in a private insurance claim. A commercial road accident claim isn’t against the driver it’s against the company.
If you tell your insurance company you’re ■■■■■■■ off your head that’s my humble opinion.
merc0447:
How can your company share details with their insurer about you without your permission “data protection act”In the event of a crash all their insurer needs is evidence you can drive, you’re not telling porkies about points etc. They don’t need your address or dob or any other info that could be used to trace you in a private insurance claim. A commercial road accident claim isn’t against the driver it’s against the company.
If you tell your insurance company you’re [zb] off your head that’s my humble opinion.
and mine too
.
merc0447:
How can your company share details with their insurer about you without your permission “data protection act”In the event of a crash all their insurer needs is evidence you can drive, you’re not telling porkies about points etc. They don’t need your address or dob or any other info that could be used to trace you in a private insurance claim. A commercial road accident claim isn’t against the driver it’s against the company.
If you tell your insurance company you’re [zb] off your head that’s my humble opinion.
Read this;
Sidevalve:
When you fill out an insurance form after you prang a truck, you put your name and other personal details (driving licence number for example) on it as required. That form then goes back to the insurance company who put the details, including your name, on to their records.So it matters not a jot whether you or the company were being claimed against. The fact remains that an accident has been reported to the insurance company and you were the driver. If you then tell your car insurance company that you have not had any accidents, they check your name and details against their database, find out that you are quite obviously lying, so you therefore risk losing your cover. Simple as that.
And keep reading it till you get the message. They do not need your permission, you are not covered by the Data Protection Act, and since your employer would more than likely have had to furnish their insurers with at least your home address in order to put you on their insurance, it only needs a simple cross check of postcodes.
Remember this; insurance companies employ an army of lawyers and other office staff whose sole duty is to provide them with an excuse for not paying up. In the course of a year those staff probably earn their money a hundred times over because naive fools like you think they can get away with not being honest.
You can’t educate pork.
Sidevalve:
merc0447:
How can your company share details with their insurer about you without your permission “data protection act”In the event of a crash all their insurer needs is evidence you can drive, you’re not telling porkies about points etc. They don’t need your address or dob or any other info that could be used to trace you in a private insurance claim. A commercial road accident claim isn’t against the driver it’s against the company.
If you tell your insurance company you’re [zb] off your head that’s my humble opinion.
Read this;
Sidevalve:
When you fill out an insurance form after you prang a truck, you put your name and other personal details (driving licence number for example) on it as required. That form then goes back to the insurance company who put the details, including your name, on to their records.So it matters not a jot whether you or the company were being claimed against. The fact remains that an accident has been reported to the insurance company and you were the driver. If you then tell your car insurance company that you have not had any accidents, they check your name and details against their database, find out that you are quite obviously lying, so you therefore risk losing your cover. Simple as that.
And keep reading it till you get the message. They do not need your permission, you are not covered by the Data Protection Act, and since your employer would more than likely have had to furnish their insurers with at least your home address in order to put you on their insurance, it only needs a simple cross check of postcodes.
Remember this; insurance companies employ an army of lawyers and other office staff whose sole duty is to provide them with an excuse for not paying up. In the course of a year those staff probably earn their money a hundred times over because naive fools like you think they can get away with not being honest.
Seems pretty bloody simple to me!
Its exactly the same (and just as daft) as folk who don’t disclose new speeding points when they renew their cover and boast about the fact they just BS’d their insurer of the fact just to save a 10 or 20 quid hyke in the premium 
Simple thing is here, you can choose not tell them any “new” facts but you better hope you don’t need to make a claim in the interim! 
When you fill out an insurance form after you prang a truck, you put your name and other personal details (driving licence number for example) on it as required. That form then goes back to the insurance company who put the details, including your name, on to their records.
The insurance co my place uses (AXA) don’t just rely on the claim form for details, the 1st thing they ask for after being notified of an accident is a copy of the drivers licence.
Motor insurers, dysfunctional & crafty in the extreme, when you use the product you have paid for they penalize you and we accept it! they no longer investigate claims its all just a box ticking “computer says yes job now” overseen by spotty geeks with no life experience!,they need to get boots on the ground(to coin a military phrase) investigate claims & have engineers inspect vehicle damage,instead of being terrified of going to court and fighting their corner then just maybe the “cash for crash” whiplash con men will get the message 
I informed my insurer after a major accident in the truck and was told “that’s OK, it doesn’t concern us”.
that was around 25 years ago so don’t know if its relevant nowadays
trubster:
They ask if you have had “ANY Accidents, Claims or Losses in the last 5 years, irrespective of blame”So, yes you should tell them as it COULD be cross referenced and invalidate your policy (except third party cover)
So lets put a SPANNER in the works for this thread.
Does your companies truck insurance become invaild because I havent inform my company ive made a claim on my car insurance?? Answers on a postcard??
Have I committed insurance fraud because haven`t inform my company of my claim on my house insurance??
CUE database includes records of claims on home insurance. The above statement doesn`t say MOTOR claims but ANY !!!
Can of worms!!!
merc0447:
How can your company share details with their insurer about you without your permission “data protection act”In the event of a crash all their insurer needs is evidence you can drive, you’re not telling porkies about points etc. They don’t need your address or dob or any other info that could be used to trace you in a private insurance claim. A commercial road accident claim isn’t against the driver it’s against the company.
If you tell your insurance company you’re [zb] off your head that’s my humble opinion.
A road accident claim is against the driver of the vehicle, the risk (Payment of the claim) is carried by the Insurer, any legal letters will be against the driver along with early stages of a court claim. For convenience the Insurers will at some part start liasing with each other.
The claim is not against the company.
Your company will have taken a copy of your driving licence and in the event of an accident will pass these details to your/their Insurers if they request it.
As explained before most Insurers including fleet Insurers record details of accidents, claims along with incidents reported to Claims & Underwriting Exchange. This is checked by many subscribing fleet Insurers when they deal with a claim. insurancedatabases.co.uk/default.aspx