Liability
What drop downs would you use for the below:
I was driving along a country lane when a badger has run in front of my car, I have swerved to avoid the badger and lost control. I spun twice and landed in a ditch on the other side of the road.
My vehicle only - I veered off the road - I had swerved - Due to other circumstances
If there are warning lights on the dashboard, what panel would you select on CE (include severity)
Mechanical - Moderate
What is the Vizion fee?
£49.99
What is the AA reserve?
£225
What is the RAC fee?
£221.35
Would we waive excess in the below scenario?
I was at a barrier that moves up and down whilst waiting to exit a carpark. The Third Party behind me thought I was pulling off so moved forward too fast and hit me in the rear. My vehicle was shunted into the barrier causing it to snap off.
No
What probing question if answered yes by the PH would change the RH Side severity from light to moderate?
Do the doors still open and close?
Policy holder was travelling on a dual carriage way when a third party has changed lanes and collided with our N/S front door, the damage is a scuff the size of a tennis ball. What direction would the arrow be placed on control expert and what severity would you list this damage as?
LH Side -> RH Side
Severity - Light
Name 4 scenarios where we would not need to complete CE?
- Van
- Flood
- Fire
- Notification only (No damage to PHV)
- Bike
- Theft unrecovered
- TPV
- PADDS claim when damage is unknown
- TPO/TPFT (where PH cannot claim)
Name 5 damages that would render the vehicle unroadworthy
- Indicators, headlights, brake lights not working or any lights on the dashboard
- Steering is stiff or pulling to one side (not normal)
- The number plate is no longer attached to the vehicle
- Smashed glass or windows
- The O/S wing mirror cannot be used (cannot see out of it properly)
- Leaking fluid
- Doors not opening or closing
- Any damage to the wheel
Name 4 scenarios where excess would be waived and NCD allowed at FNOL
- The other Vehicle pulled out of a side road into my path
- They were parked and pulled out on me
- I saw them hit my parked vehicle
- They hit my unattended vehicle
- They hit my stationary vehicle
- It was a multiple pile up, I was up the front The other vehicle hit mine in the rear
- The other Vehicle reversed into me
- The other vehicle hit mine in the rear
- Third Party handbrake left off or failed hit Insured Their handbrake was off and they rolled into me
If PH was hit in the rear and then spun around twice, ending up in a bush, where would we place the arrow on the CE splat?
Centre rear -> Centre Front
What are all the reserves you would set for a fault TTL PHV that RAC have recovered?
RAC - £221.35
TTL Reserve - £4550
Salvage - £615
When would we log a glass only claim on GW?
If it is an essentials policy
What is the fee for Hoopers being instructed?
£76.20
When instructing Vizion what are the 2 things we need to confirm with the PH in order to send the instruction off?
- Is PH VAT registered?
- Do they need a CC?
What probing question would you ask in order to select the correct severity if the PH mentioned there was fluid leaking from their vehicle?
Has the vehicle been driven whilst fluids were leaking?
What panel and severity would you select on CE if there are fluids leaking and the vehicle does not start?
Mechanical - Severe
What panels would you select on CE (include severity) for the below damage?
OSF door is dented and scratched. The front windscreen has been smashed.
RHS - Light
Centre Front - Light
Name 5 probing questions you would ask the PH if they mentioned their roof has been damaged?
- Was the roof cut away?
- Any holes in the metal work?
- Does the roof still look to be in alignment?
- Can you see any damage from the inside of your vehicle?
- Dents and scratches? How big/long?
- Sunroof: Are the mechanics still working? Is the glass damaged?
A vehicle was emerging from a side road - I pulled out of a side road into the path of the other vehicle - They were signalling correctly or not at all
What panels would you select on CE (including severity) for the below damage?
Boot caved in, the floor of the boot in crumpled. Bumper cracked from NS to OS. OSR wheel has been misaligned and is out of place throwing the tracking off. The back seat locking mechanism has been broken and there are 3 warning lights on the dashboard
Centre rear - Severe
NSR - Light
OSR - Severe
Mechanical - Moderate
Interior - Light
For a stolen vehicle claim what would we enter in CE for the below scenarios?
1) Unrecovered
2) Recovered
1) CE does not need to be completed
2) Add in any applicable damage, if none, CE does not need to be completed
Can a customer claim for a damaged panoramic roof or soft tops and explain how
Yes - but it would be logged as a full AD claim
What are the 4 requirements for a customer to be entitled to a replacement vehicle?
- PHV is a TTL
- PHV is less than a year old
- PHV is still in production
- PH is the first registered keeper of the vehicle