Conference terri::cars_uk

    At least they left the car this time, Dick ....... ;^)

    

    I would hope that Digital employs honest people and that most
    claims that would be made would be genuine. However, if one was
    determined to be dishonest, no amount of form filling would
    make any difference. One could lie to the insurance, the
    police or anybody else.
    
    Since DEC will be charged for fitting a new radio in the car
    a record will exist that a new radio was fitted. If someone
    wanted to check, they could. 
    
    When this happened to me, I had to fill in an accident claim
    form, but if this has been done away with, good riddance.

    Richard.
    

  In making this claim didn't you lose the NCB??

�   In making this claim didn't you lose the NCB??
    
    Which could cost you more than the stereo was worth....

Since it is a company car I don't get too concerned with NCB issues

Yeah, NCB doesn't apply because lease cars aren't actually insured 
comprehensively.  Instead, Digital pays for repairs itself.  This is much 
cheaper than paying insurance premiums because you cut out the insurance 
company's profit but it only works if you have enough cars in a fleet to even 
the random claims out into a fairly smooth outgoing each quarter.

As an aside, our Insurance Dept is really a misnomer as they mostly deal with 
this stuff rather than actual Insurance.  Department for Simulating Insurance 
would be a better name. :-)

Jon

    The Insurance Dept. has arrangements with it's preferred repairers to
    repair any damage sustained to Lease Cars.  These garages are in
    constant contact with the Dept. and we are told of any suspicious
    claims.  
    
    I recall one instance where such a fraudulent attempt was
    made.  The matter was "addressed by the person's Manager, Digital UK
    Security, the Police, and Personnel.
    
    Often an Assessor is instructed to check on the damage to the
    car before any work is carried out.  You don't need to be involved in
    this process so you are not told about it.  
    
    If you went to a garage which isn't a preferred repairer, you may be
    asked to pay their invoice and then claim it back via Expenses.  Would
    anyone other than the most unscrupulous person want to "gamble" on not
    being found out ?
    
    In any event, Insurance will not pay for any repairs without the
    completion of a claim form.
    
    The process is simple and proper controls are in place .....or would 
    you, Dick, prefer the process to be long and drawn out ?    
    
    
    Chris.
    
    ps. If you have a "real" issue, please contact me via All-in-1.
    

    Well actually NCB can be relevant.  If you want to insure a car
    under your own name you can get a letter from Digital stating that
    you haven't made any claims (if it is true).  Some (from my experience
    some means not many) will accept this letter as proof of no claims
    for that period.  Hence you get a no claims discount on your insurance.
    
    However if you have a company car and always will it is not relevant.
    
    TP

    
�   In any event, Insurance will not pay for any repairs without the
�   completion of a claim form.
    
�   The process is simple and proper controls are in place .....or would 
�   you, Dick, prefer the process to be long and drawn out ?    
 
No one from Insurance has supplied me with a claim form, let alone asked me to 
complete one. The only action I was asked to take was to contact the "approved
repairer".

No one wants any process to be long and drawn out, but without any documentation
on the incident, I find it difficult to understand how these proper controls can
work.

Dick

    re: 9
    
    Dick,
    
    When we receive paperwork from Bromleys, you will be contacted.
    
     

I only hope that I still have all the details to hand then.

Dick

    I am very impressed with the lease company car scheme, things couldn't
    be simpler. Things easily fall into 2 catagories:-

    i)  Mechanical breakdown/servicing - dealt with through the lease
        company (ie with prime/fleet card).

    ii) Accident damage/theft - dealt with by insurance dept. (Ralphes here
        in Basingstoke have a direct account so you don't even have to part
        with any readies). Here at Viables we get the insurance claim form from
        facilities. I don't wait to be asked to fill it in, I automatically
        assume that this form is required.

    If I were you Dick, I'd fill in and send a claims form now , including
    the many details you have about the incident.

    I have recently had accident damage repaired, and also suffered a
    breakdown. The service I recieved from all concerned,
    to ensure I was kept mobile, was superb.

    - Royston

    Actually, if you look in the insurance section within fleet on VTX it
    says how to make a claim. So yuo HAVE been told to fill in a claim
    form:
    digital                                      Car Insurance
    					    How to get your Car repaired
    
           -   Contact Digital Recommended Repairer, (see Repairer list).
    
           -   If the vehicle is driveable, arrange a convenient date when
               the Repairer can start repairs.
    
           -   If the vehicle is unroadworthy, do not use it - contact the
               Repairer for recovery to their premises.
    
    >>     -   Complete a Motor Accident Report Form and submit it to the
               address below:
    
               Insurance Department, REO F2
               Tel: 0734 868711 X8092
    
           -   The car is your responsibility and you should keep in touch
               with the Repairer about repairs completion and collection.
    
           -   Do not use your Fleetcard to pay for accident repairs.
               You can pay for small repairs yourself and claim the cost
               back via Expenses.  Recommended Repairers will invoice us
               direct for repairs and not involve you in any expense.
    
    >>     Unless your Cost Centre is prepared to bear the charge, these
    >>     costs must be supported by a completed Digital Accident Report
    >>     Form.
    
    
    Richard  
    
    

    Back in october last year, someone dented the door of my prized lease
    car whilst it was in the care of my wife. It happened in the digital
    car park in shire hall. 
    
    When I put my claim into Digital insurance, there was some confusion
    initally about the use of the vehicle at the time of the incident.
    Following a discussion first with an insurance administrator and then
    with Doug Arnold it was resolved to my satisfaction, but there was a
    question left open as to whether one's spouse was covered to use the
    company car to drive to and from THEIR NORMAL PLACE OF WORK.
    
    The following mail comes from Doug Arnold with his permission, and
    clarifies the cover afforded to spouses.
    

                  I N T E R O F F I C E   M E M O R A N D U M

                                        Date:     23-Jan-1991 05:32pm GMT
                                        From:     Doug ARNOLD @REO
                                                  ARNOLD AT A1_CHEFS at SUBURB at REO
                                        Dept:     UK Insurance
                                        Tel No:   (7)830-4912

TO:  RICHARD H DAVIES @REO

Subject: RE: Spouse Insurance issue


    Richard,
    
    Our vehicle insurance cover is Third Party only and the policy 
    indemnifies:
    
    1)	 The Insured - Digital
    2)	 Any person permitted by the insured to drive so long as that 
    	 person holds the appropriate licence.
    3)	 any person permitted by the insured to use the car for social 
    	 domestic and pleasure purposes.
    4)	 passengers.
    5)	 the legal representative of any of the above.
    
    The use of the car is "Social, domestic and pleasure purposes and the 
    business of the insured" (Digital).
    
    Despite what was stated by a clerk who was in this group, I considered 
    this use to be 'social' and the repair cost was paid and should not 
    have been considered to be part of Christine Davies' 'work'.
    
    My verbal statement was mistaken, we considered our VTX statement 
    carefully before publishing it, and have looked at it again.  I believe 
    the statement is correct.
    
    Spouses are not covered in connection with their business, for example 
    where there is a refund of fuel costs from their employer.  (In 
    Christine Davies case, as a teacher, she would not be covered if, for 
    example, she transported pupils from school to the local swimming pool 
    for a lesson, or used the car to transport equipment or pupils on a 
    school field trip.)  
    
    AS HOWEVER DRIVING TO AND FROM WORK IS COVERED BY THE SOCIAL DOMESTIC
    AND PLEASURE COVER IN A PRIVATE CAR POLICY, SO IT IS BY DIGITAL'S.
	>> capitals by me to emphasise message, Rich <<    

    Regards
    Doug
    

.14�    Our vehicle insurance cover is Third Party only and the policy 
.14�    indemnifies:

    Note for Ayr employees who still have lease cars (a dying breed,
    as the lease scheme is no more):  The Ayr lease car insurance is
    fully comprehensive.  I don't suppose this makes a great deal of
    difference, and I think the rest of the memo probably applies, as
    to the restrictions on cover.
    
    Ian.

Re .14

>     5)	 the legal representative of any of the above.

I can't help wondering whether these conditions were written by a lawyer...

Jon

This may be a rat hole, but WTH...

Until recently, my other half and I both had lease cars from the scheme 
(we both work for DEC obviously) and used the cars interchangably. One was
a large car, the other a smaller one and we used the one most appropriate
to the task in hand.

From Dougs mail, it would appear that when I used her lease car and claimed the
milage I was not insured, and visa-versa.

Now that she's on Maternity leave its not an issue, but in the summer it will be!

Jc 

 As I understand it, DEC is the insured, so any DEC employee can drive it for
andy reason (eg DEC business). Am I right in this ??


		 Alan
		~~~~~~

Yes.  It's only if the spouse doesn't work for DEC that complications arise...

I work for DEC and don't have a leasemobile, but am legally insured under
Digital's insurance to drive anyone's leasemobile anywhere for any purpose.

Scott

PS Anyone got a Ferrari on lease I could borrow this weekend ;-)