Commercial Motor Insurance Hints and tips
What to do after an accident
No matter how good a driver is, accidents do happen and can be a very stressful experience. Here are some instructions on what should be done at the scene of an accident.
- Stop at the scene of the incident. If there are any injuries or damage to someone else’s property (including other vehicles) it is an offence not to stop. If a dog or farm animal is hit, the driver is required by law to report the incident to the police. If a cat or wild
animal is involved, there is no obligation to contact the police but the driver must ensure the animal is not injured or suffering.
- Ensure the scene and everyone involved is safe. Switch off all engines, turn on hazard warning lights and alert oncoming traffic about the incident.
- If the vehicle is immobile contact us and report the incident. We can then arrange recovery of the vehicle.
- It is useful to keep an accident pack in the vehicle. This should contain a notebook, a pen or pencil and a disposable camera (This is in case the driver’s mobile phone does not have a camera). It is also useful to have a note of the insurance details to hand (Policy number
and insurer contact details).
- Only take photos of the accident scene and related damage from a safe position.
- Exchange names, addresses, telephone numbers and insurance details with all of the other parties involved. Also write down a description of the other driver and vehicle (Registration number, Make, Model and any distinguishing features).
- Look for anyone that may have witnessed the accident and take their details. Independent witness evidence is very valuable as evidence when establishing fault for the incident.
- If possible, draw a quick sketch of the accident scene, noting the road names in addition to taking photos.
- Try and make a note of how many passengers were in each vehicle. If an injury claim is made later, we need to be sure the person making the claim was involved.
- If there was property damage caused as a result of the incident (Buildings, fences, bollards etc) take a note of the amount of damage. Only the damage caused by the accident should be claimed.
Contact us and report the incident at the earliest opportunity.
What to do after the vehicle has been stolen
Having a vehicle stolen can be a very upsetting experience. Here is some advice on what the policyholder / driver should do.
- Report the theft to the police and obtain a crime / incident reference.
- If the vehicle has been broken into and items have been stolen, the police should be asked whether they need to inspect the vehicle and conduct a search for possible fingerprints. If they do, it is recommended that the vehicle is not touched until the police have
concluded their investigations.
- Contact us and report the incident at the earliest opportunity.
We will require the following:
- Original V5
- Original MOT certificate
- Original Service History
- Copy of the Purchase receipt
- Original Insurance Certificate
- Details of any outstanding finance
- Copy of Driving licence
- All Keys
- Copies of CBT (if applicable)