Claims

Accident management & breakdown cover

With Plan Insurance Brokers you can rest assured that in the event of a motor accident, a breakdown or any other type of claim you will have all the help you need when you need it.

The great value chauffeur and taxi breakdown policies we arrange includes both roadside recovery and homestart. Please visit the links below for further information;

 

Motor accident claims help line

You can report a motor accident on 0333 003 0613

A full motor accident management service is included as free with every motor policy we arrange. Follow the link to read more information regarding our full claims management service.

Your policy also includes legal expenses cover that extends up to a £100,000 worth of costs.

 

Non motor claims help lines

To notify your insurers of a non motor claim (for example on a commercial buildings or liability policy) or to follow up on an existing claim we recommend you contact your insurer’s claims line number. This will be listed in your policy documentation.

For any advice and assistance please contact our non motor  claims help line on 0333 003 0614 during office hours.

 

Great value chauffeur and taxi breakdown cover

If your vehicle is off the road you cannot earn. Keep your business motoring with our great value breakdown cover including home start

To claim on your taxi breakdown cover please refer to the number in your policy booklet.

 

London black cab insurance claims lines

Depending on the nature of your claim we have a specialist service provider. Please note the following specific numbers;

Motor claims – 0333 003 0613
Breakdown claims – 0800 031 4952
Windscreen claims – 0800 862 0474

 

At Plan Insurance Brokers, we have a claims management team, dedicated to helping you through your time of need.

If you have a Taxi, Motor Trade Insurance or Commercial Vehicle Insurance policy with us, we understand that vehicles are essential to the operation of your business. Without them you simply cannot earn. We’re here for you in the event of a claim and will work on your behalf to get your business motoring again.

Claims FAQs & Motor Claims Guide

This Claims FAQ guide will answer the most frequently asked questions we receive about how to make a motor claim and about our claims team. Call our claims line on 0333 003 0613 or keep reading for more information.

What should I do if I need to make a claim on my Commercial Motor Insurance?

Plan Insurance Brokers provides a full accident management service for anyone who takes out a commercial motor insurance policy with us. As soon as an incident occurs you should call our dedicated claims assistance service for advice on 0333 003 0613.

You will need to know the name of your insurer and your policy number so have your documents on hand.

What should I do if I am involved in a motor accident?

If you are involved in an accident, then on the scene you should get 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 if you are capable to.

(They are obliged to provide these details under the Road Traffic Act https://www.citizensadvice.org.uk/consumer/cars-and-other-vehicles/driving-and-parking/driving/traffic-accidents/)

If  there are any, you should get the full names and addresses of any witnesses. If you have a camera phone to hand and it is safe to do so then we would recommend taking photos of the incident scene and any damage incurred.

Then contact us on 0333 003 0613 as soon as possible to inform us of your accident.

Go to hospital or your GP if you are injured.

Do I need to report incidents if I don’t intend claiming?

You should report all accidents, thefts, attempted thefts, fire and malicious damage incidents to your insurer, even if you don’t plan on making a claim.

Do I need to report motor related incidents to the police?

Vehicle 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.

What do I do if I’ve had an accident and my vehicle isn’t drivable?

If you’re involved in an accident and your vehicle is not in a suitable condition to enable you to continue your journey, and you don’t have Plan Breakdown Recovery Cover as part of your Motor Trade Insurance, then please call Plan’s 24 hour Recovery Line on 0333 003 0613 who will try to arrange the recovery of your vehicle.

Please see your policy documentation for details or call your Breakdown Recovery Assistance Help Line or call our claims line on 0333 003 0613 to see if you are covered.

Plan’s Breakdown Recovery Assistance can be arranged today if you take out a taxi, commercial vehicle insurance or motor trade insurance policy with Plan Insurance Brokers. Benefits include:

  • Roadside assistance
  • Home Start cover
  • 24 hour cover – 365 days a year

For a full list of benefits please visit breakdown cover page or call the team now on 0333 003 0041 for more information.

Do you provide a courtesy vehicle if I have an accident?

Whether you receive a courtesy vehicle or not is dependent on the particular insurance policy you have purchased and the level of cover you have chosen.

For example, fully comprehensive policies may include cover for courtesy vehicles in the event of non-fault incidents but you may be required to pay an additional premium for this product feature. Also, as a motor trader, you may not be entitled to a courtesy vehicle if you have other vehicles available to drive. We are able to arrange specialist policy for private and public hire drivers to provide a like for like replacement vehicle in the event of fault incidents. 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 will seek to arrange a courtesy car for you.

Do I have to accept the amount offered by my Motor Insurance provider to settle my claim?

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 car may be much less than the insurer or loss adjuster has taken into account in their valuation. The car may have held its value more than they have realised. If you believe that this is the case then our team will take your case back to your insurer and challenge this for you.

You may be asked 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 of car that have similar mileage amounts that support your valuation.

However 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: from landlines 0800 023 4567 or from mobiles 0300 1239 123

www.financial-ombudsman.org.uk

What is legal cover?

Plan’s  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).

What should I do if I need to make a non motor based claim?

As soon as an incident occurs you should call your insurance company’s claims help line. The contact number should be found in your policy documentation. If you can not find the number and require assistance please do not hesitate to contact your customer service team on 0333 003 0041.

Should you require any assistance or advice please contact Plan Insurance Brokers on 0333 003 0041. Please note that you will need to know your policy number so have your documentation to hand.

Do I need to report incidents relating to my Buildings Insurance to the police?

Theft, attempted theft and malicious damage incidents must be reported to the police within 48 hours. You will then be given a crime reference number. You will need this number when notifying your Insurer of the incident.

If you have more questions regarding your claim or Insurance Policy, call Plan Insurance Brokers now on 0333 003 0041 for more information or request a call back here and someone will get back to you shortly.

Do I have to accept an amount offered to me by my Buildings Insurance provider?

No, you do not have to accept an offer made to you by your insurer if you are not satisfied with it.
Insurers can often over estimate the depreciation on items due to wear and tear and underestimate values of other items that may have appreciated in value more than they have realised. If an item is separately insured, do not accept anything less than the specific amount detailed in the policy. If you do not want a replacement item which is being offered to you, you should demand cash. If cash is offered, do not accept anything but the full replacement value.

If you believe that you are not being offered a fair amount for your items, you can challenge an insurer’s valuation and claim settlement offer. You will have to build a case for this and may be asked for photos of the possession that demonstrate it was in excellent condition, and adverts for similar items 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 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: from landlines 0800 023 4567 or from mobiles 0300 1239 123

www.financial-ombudsman.org.uk

For further assistance or if you have more questions regarding your claim or insurance policy, call Plan Insurance Brokers now on 0333 003 0041 for more information.