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The importance of the first notification of loss

Businesses and stakeholders looking to make commercial motor fleet claims must act quickly to provide their insurer with the first notification of an incident.

Once provided with accurate claims information, an insurer can effectively assist its customers, control any third party claims or pursue a recovery from the responsible person(s).

Delaying the claim can make it more difficult to investigate, which can result in an otherwise avoidable increase in claim cost and settlement time. For example, failing to provide notification within three days can mean it may cost up to £3,000 more to settle.

The Ministry of Justice (MoJ) implemented new measures in April 2010 aimed at streamlining the compensation process for low value road traffic accident personal injury claims.

Under the new legislation, the process of claiming has been sped up by the introduction of fixed timelines for the agreement of liability and the value of any third party injuries.

In addition, it has helped keep legal and administrative costs under control and introduced fixed response times in tandem with previous fixed legal costs.

Aviva revealed that it takes an average of 30 days before notification of a motor incident, meaning many claims fall outside of the 15-day timeframe stipulated under the MoJ's new process.

This further highlights the importance of acting swiftly to provide notification of any incidents, with details pertaining to any third party deemed particularly crucial.

At Aviva, the first notification of loss experts will guide you through the process of making a claim, outline liability decisions, and book the vehicle into an approved repairer or an engineer inspection slot.

Furthermore, the experts are trained in trauma management so they are well-placed to ensure the wellbeing of claimants who may have been affected by an incident. Calls can be taken from the driver, fleet manager or even the third party.

The most salient information surrounding the incident should be declared in order to help the expert to get the customer back on the road, ensuring minimal impact on their business and revenue.

By claiming as soon as possible (preferably within three hours of the incident), businesses can then gain the full benefit of their service provided by their insurer.

Aviva pledges to gather as much information as possible in order to facilitate the quick progress of the claim, as well as ensuring that customers are not left in a position of vulnerability.

Specialist support teams can provide help with claims relating to theft, total loss, bodily injury, third party capture, large losses, technical claims and even accidents outside the UK.

Aviva Fleetwise policy holders can report a claim 24/7, 365 through the following telephone number: 0800 246 876. Calls may be recorded and/or monitored.ADNFCR-2134-ID-800402343-ADNFCR