Accident at work. Do i need to tell my insurance company?

bod1467

Roland_Sausage wrote: »

It's a little annoying that incidents at work can affect my personal insurance, but hey ho.

To be pedantic ... this was an incident on a public highway in a work's vehicle.

Remember - it is people who are insured, not vehicles as such. So it is people who present the insurance risk, not the vehicles.

Dan-Dan

Roland_Sausage wrote: »

Think I will take your advice on this and give them a call. It's a little annoying that incidents at work can affect my personal insurance, but hey ho.

Your poor driving caused costs to be incurred , at various levels , is there a reason you shouldnt have to pay some sort of penalty for your actions?

Roland_Sausage

Dan-Dan wrote: »

Your poor driving caused costs to be incurred , at various levels , is there a reason you shouldnt have to pay some sort of penalty for your actions?

Lots of employees, and not just for my company make mistakes which cost their employers money but which ultimately doesn't impact financially on their personal life.

I could drop and break a laptop, and it won't affect my home contents insurance. I know people who have accidentally drilled through a water pipe and caused major flood damage to a property, yet this didn't cause him extra as the employer has insurance for this sort of thing.

I wasn't driving in poor conditions for the fun of it, yet it is going to affect me. But I am not going to argue, I will accept that is just the way things are.

Roland_Sausage

I've reported it and it only added £64 to the annual policy, so not the end of the world.

Retrogamer

That's a good price for piece of mind that you never need to worry about it. I'd rather pay that than take a gamble and worry the next 5 years of someone potentially finding out.

Spicy_McHaggis

Roland_Sausage wrote: »

I've reported it and it only added £64 to the annual policy, so not the end of the world.

A full four months cover?:eek:

bod1467

Roland_Sausage wrote: »

I could drop and break a laptop, and it won't affect my home contents insurance. It might if you reported it.

I know people who have accidentally drilled through a water pipe and caused major flood damage to a property, yet this didn't cause him extra as the employer has insurance for this sort of thing. That's public liability insurance.

I wasn't driving in poor conditions for the fun of it, yet it is going to affect me. But I am not going to argue, I will accept that is just the way things are.

Bottom line, like I said earlier, it is the person who presents the risk profile to the insurer, not the vehicle.

gilbert_and_sullivan

Same the other way round, my company perform regular licence checks for driving company vehicles, part of the routine is the declaration of any accidents/claims/convictions or pending prosecution in any vehicle during the intervening period, personal, whatever.

arcon5

It shouldn't add to this years premium.

You can make a SAR to the CUE to see what data is held on you centrally.

Roland_Sausage

It's not this year's premium, but like I said the premium is due to be renewed in 10 days and this is what the increase has been added to.

Not sure where Spicy McHaggis got the 4 months from.