Work van insurance

kev25v6
Forumite Posts: 235
Forumite


Getting new insurance terms for the work van, does this seem a normal addition?
“ Where you are responsible for any damage or loss to the van deliberately or otherwise, the Company reserves the right to insist on you rectifying the damage at your own expense or paying the excess part of any claim on the insurers. You will be responsible for any fines incurred. If these sums remain unpaid the appropriate deductions will be made from your pay in such circumstances
Where the Company has to pay a higher than normal insurance premium due to your poor claims record or previous driving convictions, the Company reserves the right to charge the excess premium to you.”
No mention of how much the excess could even be or how much the policy is.
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Comments
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The responsibilities of the employee seem excessive to me. To be liable for excess etc if at fault is one thing, but to be liable for any damage or loss irrespective of how caused is something else completely. Likewise, being responsible for fines doesn't seem unreasonable. Park legally and that isn't a problem.It would surprise me if these are normal terms.0
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Its saying its limited to when its your fault and so is less onerous than some employers... does it seem to unreasonable that if you carelessly drive into the back of someone that you should be the one that pays the excess?0
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If the excess was £2000, would you sign that you would pay it? Normal car excess is around 150/200 which you have a choice of choosing when purchasing the policy. Any other equipment to use at work (more expensive than the van), if it gets accidentally damaged the company has to take the hit, the van is just another piece of equipment supplied to do the job. Deliberately crashing or damaging a van is different and you would expect to have to pay for it but for an accident maybe it should be down to the company?0
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I wouldn't sign that. It's standard practice to expect drivers to pay driving fines. That part is fine.
No way would I sign something that says they can recover the excess from you. For all you know that excess could be £1000 or more. Same goes for the increased premiums. That's the company's problem.0 -
bap98189 said:I wouldn't sign that. It's standard practice to expect drivers to pay driving fines. That part is fine.
No way would I sign something that says they can recover the excess from you. For all you know that excess could be £1000 or more. Same goes for the increased premiums. That's the company's problem.0 -
bap98189 said:I wouldn't sign that. It's standard practice to expect drivers to pay driving fines. That part is fine.
No way would I sign something that says they can recover the excess from you. For all you know that excess could be £1000 or more. Same goes for the increased premiums. That's the company's problem.
"the Company reserves the right to insist on you rectifying the damage at your own expense or paying the excess part of any claim on the insurers."
doesn't say its liable for the lower of repairs or excess.0
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