How to make a claim on your policy

Photography by Nigel Green at
Photography by Nigel Green at to make a claim on your policy

How to make a claim on your policy

When you are buying lorry or van insurance, you are doing so not only because the law requires that you have at least the minimum level of cover but also to protect the interests of your haulage business.

Central to those interests is the importance of keeping vehicles moving and on the road – but in the event of their suffering damage in accidents, ensuring that they are repaired and returned to service just as soon as possible.

What are some of the secrets to achieving that aim?

  • following an accident, you are likely to be making an insurance claim;
  • ensure that your insurance policy comes with a fast, efficient and easy to use claims process;
  • recognising whether an insurer offers this service might be easier said than done, so you may want to seek the advice and guidance of a specialist provider of insurance for heavy goods vehicles – such as us here at Isis Insurance;
  • this may not only help to ensure that you get the most appropriate cover in the first place, but also typically offers a full follow-up service of help in making a claim is this becomes necessary – just as our own guide on making a claim is intended to illustrate;
  • since making a claim and ensuring that you get a full and fair settlement for any loss or damage may sometimes be quite complicated, so the input and guidance of an expert provider might go a long way in ensuring the smoothest and quickest handling of your claim;
  • there are things you might do to help yourself through the claims process, of course, and many of these begin at the very scene of the accident;
  • after checking for yourself whether anyone is injured, you might need to use your mobile to summon the emergency services;
  • do not admit any liability but leave it to your insurers and those of the third party to establish who might be at fault;
  • remember to obtain and make a note of the names, addresses, and vehicle registration numbers of others involved, together with those of any witnesses;
  • your insurer is almost certain to ask for a sketch of the scene, showing the respective positions of any vehicles involved – with any such sketches likely to be very usefully illustrated by photographs you are able to take on your camera or mobile phone; and
  • together with the sketch, it may be helpful to note anything which might have contributed to the accident – such road conditions, weather, daylight or night time, glare from the sun or from oncoming headlights.

If you are employing drivers, of course, it is important that they are also aware of these simple measures to take at the scene of the accident. These details and with the help of your insurance broker if necessary, you might help to ensure that the process of making a claim and therefore getting your lorry or van repaired and back on the road runs as smoothly and as quickly as possible.