Claims and your policy
It might be argued that the true test of any insurance is the quality of service you receive in the event of needing to make a claim. It is when an accident happens, of course, that you rely upon the provisions of whatever insurance cover you have arranged and the claims service the policy provides.
Making a claim
Although any insurance cover provides provision for your making a claim in the event of an insured event, the actual claims process may be complicated by the specific steps you need to make and the information you may need to gather.
Although some degree of help in making your claim may be available directly from the insurer concerned, the extent of such assistance is invariably quite limited.
Because of that, you might want to ensure that, from the outset, you choose a specialist HGV insurance provider – such as us here at Isis Insurance – which provides a service extending to help with your claim in the event that you need it.
Assembling the right information and negotiating your claim with the insurer with the assistance of such a provider may help to ensure that any settlement you receive is fully and fairly reflects the loss or damage you may have suffered.
This assistance might be all the more important when making what is often a relatively more complicated goods in transit insurance claim. Although your goods in transit may be covered by the Road Haulage Association’s (RHA) standard Conditions of Carriage, as described, for example, by Welch’s Transport, help with the interpretation of those conditions may prove extremely valuable.
In the event of an accident
If an accident occurs and gives rise to a claim, there are a number of steps you are likely to follow:
- first and foremost, of course, is the need to ensure that no one is hurt or injured;
- whatever the temptation, avoid admitting any fault at the scene of the accident since the insurers for the parties involved are most likely to be best qualified to establish liabilities;
- be sure to take down the names, addresses and insurance details of all those involved in the accident, together with the names and addresses of any witnesses;
- make a simple sketch of the scene as accurately as possible and indicating the position of any vehicles or significant objects and obstructions;
- take photographs whenever possible – using a camera or your mobile phone; and
- make sure to inform your own insurers, even if there is no apparent damage to your vehicle – the information may be necessary for rebutting or otherwise handling any claims from third parties.
Making a claim may seem to be relatively straightforward and clear cut. But there may be instances where things are more complicated than at first sight. In those instances you may be especially glad that you chose to arrange your insurance through a reputable specialist HGV insurance provider. In so doing, you might ensure that there is the least possible disruption to your business by getting back on the road again as soon as possible – and that the settlement from your insurer is full and fair.