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FAQ: Claims

Taxi Insurance

Questions

Answers

What should I do if I need to make a claim on my taxi insurance?

Plan Assist provides a full accident management service. As soon as an incident occurs you should call Plan Assist your dedicated claims assistance service for advice on Claim Line 0844 8269093

Make sure you have the name of your insurer and your policy number to hand.

Taxi Plan Insurance appreciates how important your vehicle is to your taxi business. If you should suffer the misfortune of being involved in an accident or breaking down our dedicated claims firm, Plan Assist, will have you back on the road a.s.a.p.!

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

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 the Plan Assist Claim Line 0844 8269093 as soon as possible to inform us of your accident.

Go to hospital or your GP if you are injured.

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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, even if you are not going to make a claim against you taxi insurance.

Claim Line 0844 826 9093

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Do I need to report 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.

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

If you’re involved in an accident and your vehicle isn’t driveable, and you have Plan Breakdown Recovery cover then 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 Break Down Recovery Assistance Help Line on 0844 8269092

Call 0800 542 2743 to take out a taxi insurance with Taxi Plan Insurance today and receive Free Taxi Breakdown Cover. Benefits include;

For a full list of benefits please see our Taxi Breakdown Cover page.

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

Whether you receive a courtesy vehicle or not is dependent on the particular taxi 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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Do I have to accept the amount offered by my insurance company 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 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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What is Legal cover?

Plan Assist’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).

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