Dave01736 Posted March 24, 2021 Share Posted March 24, 2021 Hi and thank you for letting me join your group. I have recently clipped a appliance mirror while processing to a incident (in a narrow lane) resulting in part of the mirror breaking. I have been asked to fill out a accident report, and include my driving license details. I’m sure this question has been asked before? will this now affect my own insurance, when they ask me if I have had any previous accidents. Many thanks Dave Link to comment
Carl Posted March 24, 2021 Share Posted March 24, 2021 Welcome along Dave. The short answer is yes, if you tell them. 🤨 You are required to tell them of the accident, if not now, on renewal when the questions is asked. However, I doubt very much many people do tell them for the reasons stated. I doubt a wing mirror clip will change much, but I am no expert. Link to comment
Dave01736 Posted March 24, 2021 Author Share Posted March 24, 2021 It seems unreal that your own insurance can be affected, when you put your self up for driving, the extra responsibility (with no extra pay) 1 Link to comment
Aspire Posted March 24, 2021 Share Posted March 24, 2021 Some Brigades have little known policies where you can apply for any addition to your premium as a result of a claim due to Brigade business, be covered by the service. Naturally, there are likely to be t&c’s, but I know it exists in London so I’d check wherever you are. Link to comment
Highlander Posted March 25, 2021 Share Posted March 25, 2021 12 hours ago, Dave01736 said: It seems unreal that your own insurance can be affected, when you put your self up for driving, the extra responsibility (with no extra pay) if you have a crash and end up with points on your license. It's 100% your license that is affected. Link to comment
Dave01736 Posted March 29, 2021 Author Share Posted March 29, 2021 Most off our incidents are involving hedges as we are a rural brigade and have many tight lanes. I understand if you had a RTC with another vehicle and you where found at fault, yes that would affect your own license. I’m just wondering if any other brigades have a policy like LFB. I can’t be the only driver who is asking these questions Link to comment
Percy Posted June 20, 2021 Share Posted June 20, 2021 I wouldn’t put the DL details on the form. The service will already have your details, HR, Driving School etc. I wouldn’t add anything else other than the incident details to the form. Link to comment
Messyshaw Posted June 20, 2021 Share Posted June 20, 2021 Having dealt with insurance companies extensively when in the job and a little since I have left, be warned; If these slippery barstewards find a reason not to pay out, they won't . This most definitely includes anything that they consider fraud - i.e. if you fail to declare an accident - even at work. Its a gamble - but be mindful that insurance companies have huge shared databases now - so be careful Link to comment
Rory-495 Posted June 23, 2021 Share Posted June 23, 2021 I can attest to Messys statement above. Having previously worked for a claims company, insurance companies will put in more work and money than it is to pay out just to find a way not to pay. Not declaring am accident is a common way to void a policy 1 1 Link to comment
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