Commercial Plan Insurance
Commercial Insurance Claims FAQ's
What should I do if I need to make a claim on one of my commercial vehicle/fleet policies?
What should I do if one of my Fleet Vehicles is involved in a motor accident?
What do I do if one of my Fleet Vehicles is involved in a motor accident and the vehicle isn't driveable?
Do I need to report incidents if I don't intend claiming?
Do I need to report incidents to the police?
Do you provide a courtesy car if I have an accident?
Do I have to accept the amount offered to me by insurance company to settle my claim?
What is legal cover?
How will my claim history affect my Commercial Insurance premium?
How do I file a claim?
How can I help speed up the claim process?
Plan Assist provides a full accident management service for motor related claims. As soon as an incident occurs you should call Plan Assist your dedicated claims assistance service for advice on Claim Line 0870 112 6980.
Make sure you have the name of your insurer and your policy number to hand.
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Obtain full details of all parties involved in the accident, including vehicle registration numbers, drivers names and addresses and any insurance company details along with policy numbers. (They are obliged to provide these details under the Road Traffic Act)
Obtain full names and addresses of any witnesses.
Contact Plan Assist Claim Line 0870 112 6980 as soon as possible to inform us of your accident.
Go to hospital or your GP if you are injured.
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If you're involved in an accident and your vehicle isn't driveable, and you have Plan Assist Breakdown Recovery Coverthen please call Plan Assist’s 24 hour Recovery Line who will arrange recovery of your vehicle.
If you have not specifically added Breakdown Recovery cover to your policy then whether you receive Breakdown cover depends on the cover provided by your insurer. Please see your policy documentation for details or call the Claim Line 0870 112 6980
Take out Plan Assist Breakdown Recovery Cover today. Benefits include-
- Roadside Assistance
- Roadside Start
- 24 Hour Cover – 365 days a year
For a full list of benefits please see Plan Assist
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You should report all accidents, thefts, attempted thefts, fire and malicious damage incidents, even if you are not going to make a claim against your insurance.
For any motor related claims please call Plan Assist's Claim Line 0870 112 6980. For all other claims please see our useful numbers page page for your Insurer's claim line number.
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Theft, attempted theft and malicious damage incidents must be reported to the police within 48 hours. Please note the crime reference number as it will be required when you notify us of the incident.
For your Insurer's claim line number please link through to our useful numbers page.
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Whether you receive a courtesy vehicle or not is dependent on the particular insurance policy you have purchased. Courtesy cars are normally provided by comprehensive insurance whether the accident you were involved in was your fault or not. However all motor insurance policies have exclusions and conditions. You must check your policy document for full details of the motor insurance cover provided.
In the event that you are involved in a non-fault accident, where fault has been established as the third party’s, Plan Assist will seek to arrange a courtesy car for you.
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You do not have to accept an offer made to you by your insurer if you are not satisfied with it.
For example the wear and tear of your vehicle may be much less than the insurer or loss adjuster has taken into account in their valuation. The vehicle may have held its value more than they have realised.
If you would like to challenge an insurer’s valuation and claim settlement offer you need to build your case as to why their offer is insufficient. They may ask you for photo’s of the car that demonstrate it was in excellent condition. You could look for adverts in trade magazines for the same model and age car that support your valuation.
Once you have built your case you can then go back to your insurance company and ask them to re-evaluate their offer. Your claim advisor at Plan Assist will help you pursue the matter in order to resolve it as quickly as possible.
However if their offer if your insurer’s offer is still unsatisfactory to you, you have the right to refer your complaint to the Financial Ombudsman Service.
Their address is:
Financial Ombudsman Service
South Quay Plaza 2
183 Marsh Wall
London
E14 9SR
Telephone: 0845 080 1800
www.financial-ombudsman.org.uk
The Financial Ombudsman Service will handle most complaints you might have, but there are some instances that fall outside their authority. The Ombudsman's decision is binding upon us, but you are free to reject it without affecting your legal rights.
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Plan Assist’s Free Legal Cover provides assistance to recover uninsured losses (such as excess), medical losses or loss of earnings. We will provide up to £50,000 for legal costs to pursue a case, and up to £10,000 worth of cover to defend against any motoring prosecutions (N.B. excluding drink/drug-related offences).
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Typically before a Commercial insurance company will provide you with a quote, they will look at all your previous claims including ones that were
not paid. If the insurer notices several claims in the last few
years they are likely to increase your premium.
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Usually the process of filing for a
claim is quick and simple but when an accident occurs it's
easy to become confused.
- DO notify your broker or your insurer directly as soon as
possible. For motor related claims call Plan Assist's Claim Line on 0870 112 6980 a.s.a.p.
For all other claims please link through to our useful numbers page to find your Insurer's claim line number.
- DO tell the police immediately if you have suffered a
theft or malicious damage.
- DO take all possible action to prevent further loss or
damage and thereby minimise or reduce the loss
- DO take any immediate action possible to prevent it
happening again.
- DO tell your broker or direct insurer immediately if
you receive a solicitors letter, summons, notice of
prosecution or similar communication.
- DO NOT acknowledge a solicitors letter, summons, notice of
prosecution or similar communication.
- DO NOT admit liability or offer to pay compensation to
anyone. Pass all correspondence to your broker or direct
insurer, unanswered immediately.
Call Plan Assist a.s.a.p.
Claim Line 0870 112 6980
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Be prepared to provide any information that is requested by the insurance
company or adjuster. The best way to prepare is to be
proactive and document vital information before a problem
comes to pass. For example, you may want to keep
duplicate records of key purchases offsite.
Call Plan Assist or your insurance company as soon as an incident occurs.
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