UK-Muscle Body Building Community - Bodybuilding Forum  
Register FAQ Members List Calendar Mark Forums Read

Go Back   UK-Muscle Body Building Community - Bodybuilding Forum > General Forums > General Conversation
Reload this Page Company car insurance liabilty

Notices
Welcome to UK-Muscle bodybuilding forums.

You are currently viewing our boards as a guest which gives you limited access to view most discussions and access our other features. By joining our free community you will have access to post topics, communicate privately with other members (PM), respond to polls, upload content and access many other special features. Registration is fast, simple and absolutely free so please, join our community today!

If you have any problems with the registration process or your account login, please contact us.

Reply
 
LinkBack Thread Tools Rate Thread
Old 09-05-2008, 05:25 PM   #1 (permalink)
The resident dirty Saffir!
 
TaintedSoul's Avatar
 
Join Date: May 2007
Location: 69 Axe wound mile
Posts: 3,693
TaintedSoul Has greatness beyond words
TaintedSoul Has greatness beyond wordsTaintedSoul Has greatness beyond wordsTaintedSoul Has greatness beyond wordsTaintedSoul Has greatness beyond wordsTaintedSoul Has greatness beyond wordsTaintedSoul Has greatness beyond wordsTaintedSoul Has greatness beyond wordsTaintedSoul Has greatness beyond wordsTaintedSoul Has greatness beyond wordsTaintedSoul Has greatness beyond wordsTaintedSoul Has greatness beyond wordsTaintedSoul Has greatness beyond wordsTaintedSoul Has greatness beyond words
Company car insurance liabilty
Hey guys,

Wondering if any of the legal heads or insurance guys knwo the answer to this.

legally if you given a car during the day to perform your job and you have an accident where no 3rd party is around to claim from or it's your fault.

Can you be forced to pay the excess on the insurance?
__________________
_________________________________________________

There's those that do, and those that don't,
Those that will, and those that won't,
Those that can, and those that can't.
..... Dont be a loser!! ....
TaintedSoul is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 09-05-2008, 05:34 PM   #2 (permalink)
Who nicked my hair?
 
Slamdog's Avatar
 
Join Date: Jun 2007
Location: Northampton
Posts: 1,952
Blog Entries: 12
Slamdog Is on a par with HackskiiSlamdog Is on a par with HackskiiSlamdog Is on a par with HackskiiSlamdog Is on a par with HackskiiSlamdog Is on a par with HackskiiSlamdog Is on a par with HackskiiSlamdog Is on a par with HackskiiSlamdog Is on a par with HackskiiSlamdog Is on a par with HackskiiSlamdog Is on a par with HackskiiSlamdog Is on a par with HackskiiSlamdog Is on a par with HackskiiSlamdog Is on a par with HackskiiSlamdog Is on a par with HackskiiSlamdog Is on a par with Hackskii
Re: Company car insurance liabilty
yes...

the excess is there regardless of blame
__________________
I'd like to see it your way but I can't get my head that far up my own ar$e

To view links or images in signatures your post count must be 0 or greater. You currently have 0 posts.
Slamdog is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 09-05-2008, 05:38 PM   #3 (permalink)
The resident dirty Saffir!
 
TaintedSoul's Avatar
 
Join Date: May 2007
Location: 69 Axe wound mile
Posts: 3,693
TaintedSoul Has greatness beyond words
TaintedSoul Has greatness beyond wordsTaintedSoul Has greatness beyond wordsTaintedSoul Has greatness beyond wordsTaintedSoul Has greatness beyond wordsTaintedSoul Has greatness beyond wordsTaintedSoul Has greatness beyond wordsTaintedSoul Has greatness beyond wordsTaintedSoul Has greatness beyond wordsTaintedSoul Has greatness beyond wordsTaintedSoul Has greatness beyond wordsTaintedSoul Has greatness beyond wordsTaintedSoul Has greatness beyond wordsTaintedSoul Has greatness beyond words
Re: Company car insurance liabilty
So yes your boss has to pay it or yes you can be forced to pay it?
__________________
_________________________________________________

There's those that do, and those that don't,
Those that will, and those that won't,
Those that can, and those that can't.
..... Dont be a loser!! ....
TaintedSoul is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 09-05-2008, 05:42 PM   #4 (permalink)
Who nicked my hair?
 
Slamdog's Avatar
 
Join Date: Jun 2007
Location: Northampton
Posts: 1,952
Blog Entries: 12
Slamdog Is on a par with HackskiiSlamdog Is on a par with HackskiiSlamdog Is on a par with HackskiiSlamdog Is on a par with HackskiiSlamdog Is on a par with HackskiiSlamdog Is on a par with HackskiiSlamdog Is on a par with HackskiiSlamdog Is on a par with HackskiiSlamdog Is on a par with HackskiiSlamdog Is on a par with HackskiiSlamdog Is on a par with HackskiiSlamdog Is on a par with HackskiiSlamdog Is on a par with HackskiiSlamdog Is on a par with HackskiiSlamdog Is on a par with Hackskii
Re: Company car insurance liabilty
that depends on your company, your contract and the circumstances...

if it got damaged due to your negligence then it would be expected that you pay it but if it is an unproven claim then it realy is on your t+c's of employment...

most firms i've been with pay it if it isn't the employees fault...
__________________
I'd like to see it your way but I can't get my head that far up my own ar$e

To view links or images in signatures your post count must be 0 or greater. You currently have 0 posts.
Slamdog is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 09-05-2008, 05:51 PM   #5 (permalink)
The resident dirty Saffir!
 
TaintedSoul's Avatar
 
Join Date: May 2007
Location: 69 Axe wound mile
Posts: 3,693
TaintedSoul Has greatness beyond words
TaintedSoul Has greatness beyond wordsTaintedSoul Has greatness beyond wordsTaintedSoul Has greatness beyond wordsTaintedSoul Has greatness beyond wordsTaintedSoul Has greatness beyond wordsTaintedSoul Has greatness beyond wordsTaintedSoul Has greatness beyond wordsTaintedSoul Has greatness beyond wordsTaintedSoul Has greatness beyond wordsTaintedSoul Has greatness beyond wordsTaintedSoul Has greatness beyond wordsTaintedSoul Has greatness beyond wordsTaintedSoul Has greatness beyond words
Re: Company car insurance liabilty
yeah my gf's new contract has where it says the following and I dont want her being screwed out of money.

8.1 A car will be made available for you for on duty working only. It cannot be used outside of normal working hours or for personal use. The Employer undertakes to ensure that you are fully insured to drive the car and will pay all expenses connected thereto, including petrol costs whilst you are discharging your duties, except parking fines, speeding fines or fines for clamps/towing away. You must at all time take good care of the car. In addition, if you have an accident where it is not possible to claim against a third party, you will be required to pay the excess due for any claim and the Employer shall be entitled as a result of your agreement to the terms of this contract to deduct such sum from any payment of salary made to you.


I understand if they can prove you wreckless then it's your fault. But sometime you can have an honest accident and it's just that. An accident doing your job but you have to fit the bill.
__________________
_________________________________________________

There's those that do, and those that don't,
Those that will, and those that won't,
Those that can, and those that can't.
..... Dont be a loser!! ....
TaintedSoul is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 09-05-2008, 05:58 PM   #6 (permalink)
Who nicked my hair?
 
Slamdog's Avatar
 
Join Date: Jun 2007
Location: Northampton
Posts: 1,952
Blog Entries: 12
Slamdog Is on a par with HackskiiSlamdog Is on a par with HackskiiSlamdog Is on a par with HackskiiSlamdog Is on a par with HackskiiSlamdog Is on a par with HackskiiSlamdog Is on a par with HackskiiSlamdog Is on a par with HackskiiSlamdog Is on a par with HackskiiSlamdog Is on a par with HackskiiSlamdog Is on a par with HackskiiSlamdog Is on a par with HackskiiSlamdog Is on a par with HackskiiSlamdog Is on a par with HackskiiSlamdog Is on a par with HackskiiSlamdog Is on a par with Hackskii
Re: Company car insurance liabilty
that section of contract basically says she has to pay regardless... if those are her term and conditions then basically she has to pay it...
__________________
I'd like to see it your way but I can't get my head that far up my own ar$e

To view links or images in signatures your post count must be 0 or greater. You currently have 0 posts.
Slamdog is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 09-05-2008, 06:28 PM   #7 (permalink)
straight talker
 
trickymicky69's Avatar
 
Join Date: Oct 2004
Location: sunnyside up
Posts: 1,543
trickymicky69 Is on a par with Hackskiitrickymicky69 Is on a par with Hackskiitrickymicky69 Is on a par with Hackskiitrickymicky69 Is on a par with Hackskiitrickymicky69 Is on a par with Hackskiitrickymicky69 Is on a par with Hackskiitrickymicky69 Is on a par with Hackskiitrickymicky69 Is on a par with Hackskiitrickymicky69 Is on a par with Hackskiitrickymicky69 Is on a par with Hackskiitrickymicky69 Is on a par with Hackskiitrickymicky69 Is on a par with Hackskiitrickymicky69 Is on a par with Hackskiitrickymicky69 Is on a par with Hackskiitrickymicky69 Is on a par with Hackskiitrickymicky69 Is on a par with Hackskii
Send a message via MSN to trickymicky69
Re: Company car insurance liabilty
She is defo liable same thing happens in my company all the time. Its a drawback of having a company car but an even bigger drawback would be paying for her own car all the time
trickymicky69 is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 09-05-2008, 06:36 PM   #8 (permalink)
The resident dirty Saffir!
 
TaintedSoul's Avatar
 
Join Date: May 2007
Location: 69 Axe wound mile
Posts: 3,693
TaintedSoul Has greatness beyond words
TaintedSoul Has greatness beyond wordsTaintedSoul Has greatness beyond wordsTaintedSoul Has greatness beyond wordsTaintedSoul Has greatness beyond wordsTaintedSoul Has greatness beyond wordsTaintedSoul Has greatness beyond wordsTaintedSoul Has greatness beyond wordsTaintedSoul Has greatness beyond wordsTaintedSoul Has greatness beyond wordsTaintedSoul Has greatness beyond wordsTaintedSoul Has greatness beyond wordsTaintedSoul Has greatness beyond wordsTaintedSoul Has greatness beyond words
Re: Company car insurance liabilty
not really... I bought her a BMW which she drives to work in and then uses the other car to do her job in.
__________________
_________________________________________________

There's those that do, and those that don't,
Those that will, and those that won't,
Those that can, and those that can't.
..... Dont be a loser!! ....
TaintedSoul is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 09-05-2008, 07:27 PM   #9 (permalink)
Curing the 'Arms & Supplements Syndrome' (ASS)
 
Lost Soul's Avatar
 
Join Date: Apr 2008
Location: Cardiff
Posts: 5,156
Lost Soul Has greatness beyond words
Lost Soul Has greatness beyond wordsLost Soul Has greatness beyond wordsLost Soul Has greatness beyond wordsLost Soul Has greatness beyond wordsLost Soul Has greatness beyond wordsLost Soul Has greatness beyond wordsLost Soul Has greatness beyond words
Re: Company car insurance liabilty
Policy holder pays excess and can retrieve if non fault

If your company then stipulate you have to pay excess in terms of use, you have to, but legally policy holder will pay excess

So if they pay while you are on the job then they stump up, if they state you have to pay in your contract out of business hours they still pay and will reclaim it from you

the policy holder is legally bound to pay the excess
__________________
Wanna Juice? Read here first


To view links or images in signatures your post count must be 0 or greater. You currently have 0 posts.


Quote:
Have you looked at lost souls diagram, i suggest you do....(keep it quiet though)
Lost Soul is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 09-05-2008, 09:29 PM   #10 (permalink)
PacMan
 
chrismac's Avatar
 
Join Date: May 2008
Location: Staffs
Posts: 197
chrismac has a spectacular aura aboutchrismac has a spectacular aura about
Re: Company car insurance liabilty
I have a Civic Type R currently as a company car and have had quite alot of others in the past however and have never paid any excess from any incidents where I was at fault or vice versa.

A colleague wrote off his Type R and paid nothing - and got another one!

I suppose its down to the employer.
__________________

To view links or images in signatures your post count must be 0 or greater. You currently have 0 posts.
chrismac is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 09-05-2008, 09:35 PM   #11 (permalink)
The resident dirty Saffir!
 
TaintedSoul's Avatar
 
Join Date: May 2007
Location: 69 Axe wound mile
Posts: 3,693
TaintedSoul Has greatness beyond words
TaintedSoul Has greatness beyond wordsTaintedSoul Has greatness beyond wordsTaintedSoul Has greatness beyond wordsTaintedSoul Has greatness beyond wordsTaintedSoul Has greatness beyond wordsTaintedSoul Has greatness beyond wordsTaintedSoul Has greatness beyond wordsTaintedSoul Has greatness beyond wordsTaintedSoul Has greatness beyond wordsTaintedSoul Has greatness beyond wordsTaintedSoul Has greatness beyond wordsTaintedSoul Has greatness beyond wordsTaintedSoul Has greatness beyond words
Re: Company car insurance liabilty
Quote:
Originally Posted by Lost Soul View Post
Policy holder pays excess and can retrieve if non fault

If your company then stipulate you have to pay excess in terms of use, you have to, but legally policy holder will pay excess

So if they pay while you are on the job then they stump up, if they state you have to pay in your contract out of business hours they still pay and will reclaim it from you

the policy holder is legally bound to pay the excess
That's the thing my gf will never us it out of hours. Only purely to do her job. So if she has an accident during her working hours they want her to sign saying that if it's her fault or no one to claim from then she will pay any money owed!
__________________
_________________________________________________

There's those that do, and those that don't,
Those that will, and those that won't,
Those that can, and those that can't.
..... Dont be a loser!! ....
TaintedSoul is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Old 09-05-2008, 09:39 PM   #12 (permalink)
Any more chicken and I will start clucking!!
 
leeston's Avatar
 
Join Date: May 2006
Location: Birmingham, West Midlandshire
Posts: 2,360
leeston Is on a par with Hackskiileeston Is on a par with Hackskiileeston Is on a par with Hackskiileeston Is on a par with Hackskiileeston Is on a par with Hackskiileeston Is on a par with Hackskiileeston Is on a par with Hackskiileeston Is on a par with Hackskiileeston Is on a par with Hackskiileeston Is on a par with Hackskiileeston Is on a par with Hackskiileeston Is on a par with Hackskiileeston Is on a par with Hackskii
Re: Company car insurance liabilty
yep guys all of the above is correct. It depends on your contract. A 5hitty contract would force the employer to pay the excess but that is something which is put on the employer by the insurer so therefore the employer is duty bound to pay. They will then look to reclaim this from your gf.

Hope this helps.

The only way to avoid this is to ensure you are not at faulst for any accidents!!!!!
__________________
Gobal terror they say that we are at war................ but I dont have time for that 'cos them bills keep dropping through my door. Suburban Knights, Hard-Fi


To view links or images in signatures your post count must be 0 or greater. You currently have 0 posts.
leeston is offline  
Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiFurl this Post!
Reply With Quote
Reply

« Previous Thread | Next Thread »
Thread Tools
Rate This Thread
Rate This Thread:

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts
BB code is On
Smilies are On
[IMG] code is On
HTML code is On
Trackbacks are On
Pingbacks are On
Refbacks are On

Similar Threads
Thread Thread Starter Forum Replies Last Post
Company Car yay or nay? Jock General Conversation 23 24-04-2008 01:49 PM
car insurance for young drivers Nick B General Conversation 36 18-02-2008 09:08 PM
Car Insurance Problem SCJP General Conversation 13 12-12-2007 09:20 PM
Car Insurance - any advice TaintedSoul General Conversation 7 27-11-2007 09:07 AM
Company working on my car Messing me about! Bulk1 General Conversation 7 28-04-2007 11:32 PM


All times are GMT +1. The time now is 02:50 AM.
 


Powered by vBulletin® Version 3.7.3
Copyright ©2000 - 2008, Jelsoft Enterprises Ltd.
Search Engine Optimization by vBSEO 3.2.0 RC8
All information contained within this site is for educational purposes only.
We do not endorse the Buying or selling of illegal substances nor do we promote the use of them.

UK-Muscle.co.uk takes no responsibility for any advertisers, thier content or products sold. All products sold by ANY advertisers are seen to be 'Research Items' only and not intended for Human Use.


Contact Us - UK-Muscle BodyBuilding Community - Body Building Forum - Archive - Top