FOAK: Insurance excess when using own car for business visits

See above: "there's nobody else to pin it on".

 

My company suggested I might like to pick up the £250 tab for a minor
shunt when I reversed into a car and I told them to make my wages up
and I'd go and work elsewhere.

As far as I'm concerned a genuine mistake is the same whether you're
driving a car, machining a couple of million quids worth of turbine or
doing the company wages and you shouldn't be expected to have to pay
for it. If they're really pissed off about it then go for a gross
misconduct dismissal and wait for the court case.

I'd love to see the lease company when my van goes back because it's a
mess already and I've only had it 18 months. If anybody thinks I'll be
putting my hand in my pocket to pay for any damage on it they can FRO
because I'd be more likely to set fire to it and claim it was nicked.

 

IMO there's a difference between shunting a company vehicle and your
own car.

If you do the former then they would have to ask you for the money -
not likely to get very far.

The latter, you've got to ask them to pay your excess - not likely to
get very far.

See above - I'll offer you a compromise

I do take your point though.

 

That'd be the last time my vehicle was used on company business.

Maybe I'm over simplifying things because I'm very confident regarding
my position with my current employer and my potential to get another
job if I walked but I'd look on having to pay the excess as going
beyond what I felt reasonable and I'd take it on myself to make sure
my employer suffered financially for their short sightedness.

 

IME, they were happy to pick up the excess the first time, but made it
quite clear that if I started to make a habit out of it, I might not find
'em so amenable.

Which seems fair to me.

Quite. It's part of what you're meant to account for in the car allowance
decision.

 

Pfft. Degrees of reasonability, innit.

 

Using the patented Mavis Beacon "Hunt&Peck" Technique, Andy Bonwick

<Shrug>

Mrs WUN had an at-fault prang a year or so back, while on business. The
idea of someone else paying the excess never even occurred to us.

 

YYSW

 

Sir needs heavier shoes if Sir can get 25mpg out of a V6 Vectra, Sir
does. 22 is easily attainable if driving progressively.

 

Funny thing is, that's the average. I don't do a lot of miles (6k in
the last 12 months) and little of that would have been motorway
mileage. I've no doubt it has been down to 22 (or worse) but there was
the glorious day when it worked out at 28 between tank fillingses.
Mate of mine who has one reckons he averages 30, the slapper. I've had
words with him, but he swears to it and he doesn't drive it gently
either - what he saves in fuel he pays out in repairs and maintenance:
clutch, four tyres, four discs and pads and a full exhaust over the
past year that I know of.

I betcha 33ppm wouldn't cover his costs.

 

Company business shouldn't involve personal liability.

If she wrecked her car on company business would they arrange
alternative transport for her until it was replaced? Remember that
most insurance companies only give you a hire car until your one is
either repaired or written off and it's that gap between being written
off and getting a replacement that can be very expensive.

 

Using the patented Mavis Beacon "Hunt&Peck" Technique, Andy Bonwick

I honestly don't see why not. She fucked-up, she paid for it. End of.

 

I think the two things are different. if I had a company supplied car
I'd not expect to pay the excess.

I have a car allowance and my car is insured on business use, I'd
expect to pay the excess.
--
Adie
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UKRM FAQ: http://www.ukrm.info/faq/

YZF-R1 : FZ1N : RD350LC
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BOB#15 ex-UKRMMA#22 BOMB#11

 

ITYM 18.

But mine did blow up at 93k.

 

We have that battle every time a van goes back. It's stupid, almost
like the lease co font expect the vehicle to have been used.