P&L Loophole?

[arnold cheshire]

As far as i can remember when applying for car insurance , the question asked is "Have you made any claims in the last 5 years?".Which is not the same as "Have you had any accidents in the last 5 years?"
So as you're not the one claiming if you have a smash in a RM van, you shouldn't have to declare it.

yes thats right

[POSTMAN]

As far as i can remember when applying for car insurance , the question asked is "Have you made any claims in the last 5 years?".Which is not the same as "Have you had any accidents in the last 5 years?"
So as you're not the one claiming if you have a smash in a RM van, you shouldn't have to declare it.

yes thats right

It's not...
Have you had any motor insurance claims or incidents in the last 5 years?

[TeeferTiger]

As far as i can remember when applying for car insurance , the question asked is "Have you made any claims in the last 5 years?".Which is not the same as "Have you had any accidents in the last 5 years?"
So as you're not the one claiming if you have a smash in a RM van, you shouldn't have to declare it.

yes thats right

No, that's not right... have you not been reading the posts on here, or are you just reading the ones that back up your argument?!

Your insurance company ask you if you've have any incidents or claims in the last 5 years, regardless of fault. If you've have a prang in a RM vehicle within that timescale, you must say yes, otherwise you are committing FRAUD.

[NewPostieUK]

If you have any claim or accident, regardless of fault, you are supposed to tell them. Doesn't matter if you are driving your own car, a Royal Mail van, or your Grannies Micra.

Why should you tell them if its not your fault? Here is an extreme example. Say someone crashes into you every week, and its never your fault. You are a greater risk than someone who nobody ever crashes into. Each accident is hassle and expense for your insurer. They will claim from the other parties insurer for their expenses, but every now and again its not so clear cut. Instead of fighting it out in court, the two insurers will agree to pay their own costs. As far as the insurer is concerned, both parties are at fault.

[arnold cheshire]

As far as i can remember when applying for car insurance , the question asked is "Have you made any claims in the last 5 years?".Which is not the same as "Have you had any accidents in the last 5 years?"
So as you're not the one claiming if you have a smash in a RM van, you shouldn't have to declare it.

yes thats right

It's not...
Have you had any motor insurance claims or incidents in the last 5 years?

no i cant afford to get out much with petrol 6 quid a gallon

[arnold cheshire]

Have you made any claims in the past 3 years? Yes No
* Have you had any convictions in the past 5 years

[arnold cheshire]

Have you made any claims in the past 3 years? Yes No
* Have you had any convictions in the past 5 years

a quote from direct line insurance

[arnold cheshire]

Have you made any claims in the past 3 years? Yes No
* Have you had any convictions in the past 5 years

a quote from direct line insurance

and thats only if you change insurance company if you stay with the same company it doesnt say please tell us if had an accident in another vehicle you were driving

[IcanthelpthewayIam]

Have you made any claims in the past 3 years? Yes No
* Have you had any convictions in the past 5 years

a quote from direct line insurance

and thats only if you change insurance company if you stay with the same company it doesnt say please tell us if had an accident in another vehicle you were driving

You insurance policy document will tell you do that and if you dont you are comitting insurance fraud

[arnold cheshire]

Have you made any claims in the past 3 years? Yes No
* Have you had any convictions in the past 5 years

a quote from direct line insurance

and thats only if you change insurance company if you stay with the same company it doesnt say please tell us if had an accident in another vehicle you were driving

You insurance policy document will tell you do that and if you dont you are comitting insurance fraud

i will look some time

[dblad]

I would have thought that being insured on RMs insurance is seperate from your own insurance, therefore, if you have an accident in a RM van you would be making a claim on that policy and your own private one would not be affected by this. But if you get points on your licence driving for RM this would affect your own insurance.

[TeeferTiger]

I would have thought that being insured on RMs insurance is seperate from your own insurance, therefore, if you have an accident in a RM van you would be making a claim on that policy and your own private one would not be affected by this. But if you get points on your licence driving for RM this would affect your own insurance.

Then you'd have thought wrong. It's you that's being insured as the risk, therefore you that has to declare if you've had a prang regardless of what vehicle you were in at the time or whose fault it was.

[TeeferTiger]

Copied from the AA's car insurance policy booklet

"Please tell us right away if anything changes which might affect your insurance. If you’re not sure whether it’s important, tell us just in case. Any changes which you don’t tell us about may mean that your policy is void.
We need to know about things like:
• if you change your car
• any modification or engine conversions to the insured car from the manufacturers original specifications
• change of any full or part-time occupation
• changes to how you use the car
• change of address or address where the insured car is kept overnight
• changes to drivers
• any claim, incident or loss
• any convictions or fixed penalty offences
• any pending prosecutions
• if you or any additional drivers have been declared unfit to drive by the DVLA or advised not to drive
by a doctor
• additional audio, satellite navigation or communications equipment.
AAIS may charge an administration fee of up to £25* if these changes mean we have to adjust your policy or send out replacement copies of your documents."

And

"Insurers: fraud prevention, regulatory etc
Insurers pass information to the Claims and Underwriting Exchange Register, run by Insurance Database Services Ltd (IDSL), the Hunter Database, run by MCL Software Ltd and the Motor Insurance Anti-Fraud and Theft Register, run by the Association of British Insurers (ABI). The aim is to help check information provided and also to prevent fraudulent claims. When insurers deal with your request for insurance, they may search these registers. Under the conditions of your policy, you must tell the Insurer about any incident (such as an accident or theft) which may or may not give rise to a claim. When you tell the Insurer about an incident, the Insurer will pass information relating to it to the registers.
Information relating to your insurance policy will be added to the Motor Insurance Database (“MID”) managed by the Motor Insurers’ Bureau (“MIB”). MID and the data stored on it may be used by certain statutory and/or
authorised bodies including the Police, the Driver and Vehicle Licensing Agency (“DVLA”), the Driver and Vehicle Agency Northern Ireland (“DVANI”), the Insurance Fraud Bureau and other bodies permitted by law for purposes
not limited to but including (i) Electronic Vehicle Licensing, (ii) Continuous Insurance Enforcement, (iii) Law Enforcement (prevention, detection, apprehension and/or prosecution of offenders) and (iv) the provision of government services and/
or other services aimed at reducing the level and incidence of uninsured driving. If you are involved in a road traffic accident in the UK, the EEA and certain other territories, insurers and/or MIB may search MID to obtain relevant
information. Persons (or their representatives) pursuing a claim in respect of a road traffic accident (including citizens of other countries) may also obtain relevant information which is held on MID"