How to make a claim on your policy
If you are in the business of operating a lorry or van or a mixed fleet of both types of vehicle, or if your business relies on the continuous use of such transport, it is essential that the wheels keep turning – none of your vehicles is earning its keep if it is sitting in the garage waiting for repairs.
Since one of the most frequent reasons for any of your vehicles being out of action is because they have been involved in accident, it may be useful to review the steps you need to take when making a claim:
- probably the very step is taken before you even put a vehicle on the road;
- carefully choosing the most suitable insurance provider may go a long to ensuring that in the event of any claim, you are able to rely on timely help and advice;
- here at Isis Insurance, this is precisely the type of support that we are proud to offer in the unfortunate event of your needing to make a claim;
- the quality of service you may reasonably expect from your insurance provider is probably every bit as important to you as the price you pay for your lorry or van insurance;
- with reference to your commercial motoring costs – including the premiums you pay for insurance – it might be worth remembering that you may be able to reclaim VAT on any such business expenses – this can be a convoluted area, though, so speak to your accountant;
- armed with the knowledge and reassurance of proactive help and advice from your insurance company, there are number of important points to bear in mind when making a claim;
- if an accident happens, of course, the first step is to make sure that no one is hurt;
- if necessary, the emergency services may be called on either 112 or 999 from your mobile phone;
- avoid any admission of liability at the scene, even if you think it may have been your fault – insurers from the parties involved are likely to arrive at the best agreement of who is to blame only after a careful review of all of the evidence;
- make a careful record of the names, addresses and insurance particulars of the parties involved, together with contact details of any witnesses;
- briefly sketch the accident scene, noting the positions of the vehicles and any other circumstances you believe may have contributed to the accident or otherwise need to be taken into account;
- just as valuable as any annotated sketch may be photographs you are able to take – either using a camera or your mobile phone;
- even if there is no damage to your own vehicle, for example, you still need to report any accident to your insurers – who may need the details you take at the scene in handling any claims from third parties.
If you chose an insurance provider with a commitment to providing full support in the event of a claim, you may find that the broker is able to talk directly with your insurer on your behalf, negotiate the fairest settlement and ensure that any vehicles used by your business are where they belong – back on the road again.