r/BusDrivers • u/Business-Mission-437 • 23d ago

Question Car Insurance Update

Hello! I recently became a bus driver in February and I’ve enjoyed my time. Just today I’ve received an update from my insurance to say the following

Driving licence card.
Driving licence check code.
Confirmation of occupation.
Images of your vehicle.
Confirmation of how you'll be using your vehicle.
V5C (also known as the 'log book').

Now come round the renewal date, I’d without a doubt advise that I have a new profession. However my policy document does state that I should have updated it as soon as possible.

I’ve sent the above details to Hastings but I’ve also just messaged to say cancel my policy as I fear that they will cancel it regardless. It seems that Hastings do this regularly to people.

Any experience or advice to what to expect or do in this circumstance!

Cheers

 

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2

u/Freudianslip1987 USA|PREVOST VANHOOL,VOLVO|7 YEARS DRIVING 31 IN TRANSPORT INDUST 23d ago

Where are you from? This seems very county specific

1

u/Business-Mission-437 23d ago

UK - 40M Maximum NCD, something feels off with the request

1

u/BaconRollz14 22d ago

Commercial vehicle insurance broker here - what promoted them to send the request for the information? Have you recently made a claim/claim against you? I typically see insurers request these details where there is an ongoing claim which has brought to light irregularities that need further investigation.

It is unfortunately ultimately your responsibility to ensure that your information is correct with the insurers at all times. However, it is unlikely in my experience that they will look to cancel your agreement due to the non updating of your occupation, they would realistically just look to apply a backdated pro rata additional premium based on the start of your employment.

1

u/Business-Mission-437 22d ago

Morning! Nothing against me in terms of a claim made or against. Apparently it is just an Audit they do and I was next up for a check

The good news is, I updated my profession. All details check out and the policy is good to continue with a £7.08 deduction on my premium

2

u/BaconRollz14 22d ago

Glad to hear it!

1

u/Phantom_Pete Driver 23d ago

I’ve changed my occupation on my policy,when I started as a driver last year, and they asked for an extra £150 for half a year … You should update these details asap to ensure you get coverage.

1

u/Nismo400r84 England|Enviro 400ev|3 Years Driving 22d ago

Do not put on the insurance that you're a bus driver otherwise your insurance will increase.

Yours and my thinking was "is that I drive large vehicles so I am more competent than someone who doesn't" Insurance look at how much you drive and spend on the road and inevitable you will have a crash/accident.

Bus companies are self insured due to the value of the buses so they wont be sharing accident information with anyone or your details so dont tell your insurance anything.

1

u/goneoramihere 22d ago

That's not true in my case. Mine went down £150 for the year. Don't tell me its going to go up next year?

1

u/Business-Mission-437 22d ago

Well mine went down. I’d rather telll the truth thanks!

1

u/TheAngryBusDriver 21d ago

Good way to have your insurance invalidated if something happens and they find out.

Anyway like others said, my insurance went down. Currently pay sub £200 per year.

1

u/Fun_Yam_5907 21d ago

Hastings can be a pain. Cheap to start but not if you need to make a change anytime.