Claims

The paying insurer determines how a claim is logged, either as a Fault or Non-Fault incident.Obtain and record the overall cost of the claim, as it may affect a client’s future insurability.Be diligent and thorough in recording all incidents, regardless of when they occurred or who was at fault.

Step 1: Determining Fault Claims

Insurer Payouts

• If the customer's insurer paid out, record the incident as a Fault claim.

• This holds true even when the customer wasn't morally at fault.

• Example question: “Did your insurer pay out for this claim?”

Open Claims

• If the claim is still open, log it as a Fault claim.

• This status remains until a third party accepts liability and a settlement is agreed. The open claim counts against the client until settled.

• Example question: “Is this claim still open or has it been settled?”

50/50 Settlements

• If a claim is settled on a 50/50 basis, with liability shared, log this as a Fault incident.

• Example question: “Was this claim settled on a 50/50 basis?”

Step 2: Identifying Non-Fault Claims

Notification Only Settlements

• If the claim was settled as 'notification only' and the insurer incurred no cost, record it as a Non-Fault claim.

• Example question: “Was this claim settled as a 'notification only' with no cost to your insurer?”

Step 3: Obtaining Claim Cost Information

Claim Cost Consideration

• It is crucial to try to obtain the overall cost of the claim.

• Large claims may lead some insurers to decline coverage.

Step 4: Comprehensive Record Keeping

Reporting All Incidents

• Inform insurers of all accidents, incidents, claims, or losses in the past 5 years, regardless of blame.

• Older incidents may not always impact the price, but they must always be recorded.

• Example question: "Have you had any accidents, incidents, claims, or losses in the past 5 years that we should be aware of?”

Convictions

Overview

The conviction date is crucial and must be recorded accurately.For pending convictions, use today’s date and assume the usual penalties for that conviction.Differentiate between common convictions (usually 3 points), serious convictions (usually starting at 6 points), and very serious offences (often resulting in bans).Always aim to uncover the circumstances leading to a TT99 endorsement.

Step 1: Collecting Conviction Date

Importance of Conviction Date

• Always ask the client for the date of their conviction.

• Note that the offence date is less important than the conviction date.

Step 2: Handling Pending Convictions

Pending Convictions Procedure

• If a client has a pending conviction, record today’s date as the conviction date.

• Assume the standard points and fines relevant to that conviction.

Step 3: Conviction Bands

Input the Relevant Band

1. TT99: Disqualification from driving after accumulating 12 or more points within three years.

2. SPs: Speeding offenses on public roads or motorways; typically 3 points.

3. TS: Traffic signal offenses, such as running a red light; typically 3 points.

4. IN10: Driving without insurance; typically 6 to 8 points.

5. CU80: Using a mobile phone while driving; typically 6 points.

6. DRs: Driving under the influence of alcohol or drugs; typically 3 to 11 points.

7. DDs: Reckless or dangerous driving offenses; typically 3 to 11 points.

8. CDs: Careless driving offenses, including causing death by careless driving; typically 3 to 11 points.

9. Very Serious Offenses: Severe offenses leading to driving bans, usually for 6 months or more.

Step 4: Confirming and Recording Convictions

Comprehensive Record Keeping

• Confirm all the details with the client and record all convictions, regardless of when they occurred.