CUE claim categories?

[carreauchompeur]

Hi folks,

Had an incident at work last year whereby my Police vehicle was one of two struck from behind whilst on a roadblock by a somewhat, er, distracted motorist.

So, not my car, I was ‘driving’ in the sense I was still in drivers seat but vehicle stationary.

Made a small personal injury claim due to speed of collision and associated muscular sprain.

I’ve recently renewed my own car insurance and did declare it. Annoying as it looks like a claim on my own car, albeit no fault. Having checked on CUE it’s down as a ‘personal injury’ claim only.

Is this a sub-section or just what an injury non-fault claim would go down as? Keen not to load my insurance for the next few years if it’s not counted as a claim against me!

Ta

[55palfers]

If you were "at work" then I would have thought it would have qualified as an industrial injury and nothing to do with your private motor insurance.

[Simpo Two]

Can't help specifically but interestingly it's all down to money - will the income from the personal injury claim cover the higher insurance premiums...?

[carreauchompeur]

Simpo Two said:

Can't help specifically but interestingly it's all down to money - will the income from the personal injury claim cover the higher insurance premiums...?

Nope, sadly not. I thought it was worth a claim as I was a whisker away from being killed by someone’s gross negligence but the system doesn’t work that way so the payout is very small!

[fourstardan]

55palfers said:

If you were "at work" then I would have thought it would have qualified as an industrial injury and nothing to do with your private motor insurance.

Interesting as I thought this, if OP was off work due to an injury in the workplace he should be claiming from there liability insurer?

[vonhosen]

fourstardan said:

55palfers said:

If you were "at work" then I would have thought it would have qualified as an industrial injury and nothing to do with your private motor insurance.

Interesting as I thought this, if OP was off work due to an injury in the workplace he should be claiming from there liability insurer?

It's in relation to the insurer asking the question 'Have you had ANY accidents, claims or losses, regardless of fault, in the last 5 years?'
Which doesn't stipulate in respect of his own vehicle insurance.

He didn't claim off his own insurer, just informed them that he had been in a non fault accident resulting in injury during the defined period.
It's up to them whether they will load the premium or not in the circumstances.

[stinkyspanner]

Similar, but different for me this year-my car was hit whilst parked so I was expecting my insurance to increase just by dint of there being a claim. I've just renewed for £400 less than last year, with the same company and with the claim recorded

[NikBartlett]

vonhosen said:

fourstardan said:

55palfers said:

If you were "at work" then I would have thought it would have qualified as an industrial injury and nothing to do with your private motor insurance.

Interesting as I thought this, if OP was off work due to an injury in the workplace he should be claiming from there liability insurer?

It's in relation to the insurer asking the question 'Have you had ANY accidents, claims or losses, regardless of fault, in the last 5 years?'
Which doesn't stipulate in respect of his own vehicle insurance.

He didn't claim off his own insurer, just informed them that he had been in a non fault accident resulting in injury during the defined period.
It's up to them whether they will load the premium or not in the circumstances.

Presumably this covers everything ( e.g. travel insurance, medical claims etc ) and not just motoring related ?

[Dingu]

NikBartlett said:

Presumably this covers everything ( e.g. travel insurance, medical claims etc ) and not just motoring related ?

You know what they say about assumptions, or in this case presumptions.

[Foss62]

NikBartlett said:

Presumably this covers everything ( e.g. travel insurance, medical claims etc ) and not just motoring related ?

It’s always a poor question, and the OP’s example is yet another reason why. Traffic officers in the course of their job can be involved in collisions that from their perspective are not even ‘accidents’, but would be from the perspective of the other party. There seems no reason why they should be excluded for this from any insurance quotes - something which happens in the background when you do an internet search and tick that box.
It would be much more logical if insurers were obliged to stick to actual claims on relevant policies.

Edited by Foss62 on Sunday 31st March 13:48

[carreauchompeur]

Yes definitely. If I counted every TPAC incident (‘at fault’ maybe?”) I’d be screwed!