van insurance

[SJH101]

I drive a van everyday at work and have done for the past 2 years. Just curious but I don't even know exactly what this insurance covers?

All I know is that it doesn't affect your own personal insurance.

Can anyone tell me what exactly it covers.?

Thanks

[IcanthelpthewayIam]

All I know is that it doesn't affect your own personal insurance.

Actually it does, if your involved in an accident you are supposed to tell your own insurance policy and it may affect your premiums if you were at fault, and not informing them may be classed as fraud if you decide not to.

[SJH101]

Yeah, fair enough, I actually knew that.

Does anyone know what you are covered for whilst driving out on duty though?

[IcanthelpthewayIam]

dont get by what you mean by what you are covered for? do you mean like fully comp or third party or is there something else you are trying to ask?

[Lounge Lizard]

All I know is that it doesn't affect your own personal insurance.

Actually it does, if your involved in an accident you are supposed to tell your own insurance policy and it may affect your premiums if you were at fault, and not informing them may be classed as fraud if you decide not to.

- and all that without being paid a penny extra for driving.
- and Royal Mail don't insure their vans, instead having a sort of bond to cover any liabilities.

[resperin]

All I know is that it doesn't affect your own personal insurance.

Actually it does, if your involved in an accident you are supposed to tell your own insurance policy and it may affect your premiums if you were at fault, and not informing them may be classed as fraud if you decide not to.

if that was the case, do you think anyone would drive for rm?

[fishtank]

All I know is that it doesn't affect your own personal insurance.

Actually it does, if your involved in an accident you are supposed to tell your own insurance policy and it may affect your premiums if you were at fault, and not informing them may be classed as fraud if you decide not to.

if that was the case, do you think anyone would drive for rm?

It depends on your insurers and the general terms and conditions of the policy.
Some state that you must notify them of any accident or your policy is invalidated.
Mine doesn't it just says You must tell us as soon as reasonably possible about any incident which may lead to a claim under this policy. If you receive any notice of prosecution, inquest or fatal accident inquiry or you are sent a writ, summons, claim or letter, you must send it to us, unanswered, as soon as possible.

Check your policy is the best advice.

[IcanthelpthewayIam]

All I know is that it doesn't affect your own personal insurance.

Actually it does, if your involved in an accident you are supposed to tell your own insurance policy and it may affect your premiums if you were at fault, and not informing them may be classed as fraud if you decide not to.

if that was the case, do you think anyone would drive for rm?

it catagorically is the case

[IcanthelpthewayIam]

All I know is that it doesn't affect your own personal insurance.

Actually it does, if your involved in an accident you are supposed to tell your own insurance policy and it may affect your premiums if you were at fault, and not informing them may be classed as fraud if you decide not to.

if that was the case, do you think anyone would drive for rm?

It depends on your insurers and the general terms and conditions of the policy.
Some state that you must notify them of any accident or your policy is invalidated.
Mine doesn't it just says You must tell us as soon as reasonably possible about any incident which may lead to a claim under this policy. If you receive any notice of prosecution, inquest or fatal accident inquiry or you are sent a writ, summons, claim or letter, you must send it to us, unanswered, as soon as possible.

Check your policy is the best advice.

next time you renew, check the terms then, you are asked the specific question at your point of renewal if you have been involved in ANY accident in the last 5 years

Also the part you quote is not the relevant section

a claim under this policy.

as you are never liable on your personal motor policy for an accident in an RM Van, they ask the question so as to calculate the appropriate premium for your policy hence its at renewal you are committing fraud by not declaring it