mma buisness insurance

#1
i was put on a duty over christmas leave and was informed that i would be able to put a claim in for mma for from my home address back to my unit then back to my home address. however when i put the claim in was told i would not be able to do so unless i had buisness insurance on my car.
should i have been told this before hand and would i have been allowed a hire car or a travel warrent
and does this buissness insurance count in this case as i traveled back the night before my duty.
 
#2
The rules say that anyone claiming MMA must have business use insurance on their policy. I'm afraid ignorance of the rules is not a get out clause.
 
#4
You can search previous threads for the detail, but in summary:

Insurance companies consider travel you are paid for by an employer (ie MMA) to be business travel;
Therefore you need business cover to claim MMA;
If the Army allow you to claim MMA without business cover you will be driving uninsured, a serious offence.

It's exactly the same for civvies.
 
#5
Paymaster said:
The rules say that anyone claiming MMA must have business use insurance on their policy. I'm afraid ignorance of the rules is not a get out clause.
Yes, when claiming PCR and ODR, not for Leave, a mis-interpretation of rules I do believe :scratch:

Ref:

A. JSP 752 04.0617
B. RAAC 03.115 - 116.
C. DSPSI 212/89 dated 2 Dec 96.
D. DSPSI 212/150 dated 5 May 99 (Issue 6/99).
E. JSP 341 Ch 1.
F. JSP 752 04.0618

1. In accordance with Ref A personnel using private vehicles must have a minimum £10M cover in respect of certain areas of their motor insurance policies. It also clearly sates that this cover must be for "business cover". From evidence provided recently it would appear that not all insurance companies provide this level of cover at all and if they can it will come at an extra cost. This is nothing new, infact under Ref B it had to be "unlimited cover". The concerns were that:

a. Personnel would have to pay extra insurance premiums and may have to change insurer.

b. Smaller units would not have the tpt available to provide AD vehicles and would have to provide hire cars. This would have budgetary implications that may have an impact on the ability to carry out the duties in question.

2. Having looked at this issue in some detail it is confirmed that the requirements of Ref A are extant and will not be changed. Therefore it is vital that all personnel wishing to claim PCR or ODR have the requisite insurance. If they were to have an accident whilst using a privately owned vehicle on a duty journey not covered by their insurance policy they would not be covered. In that case not being able to claim PCR would be the least of their worries as they are effectively driving without insurance.
 
#7
WW,

You didn't answer the question but I assume you are at a leave address so the requirement business ins stands - you would be claiming PCR. This has been a requirement for as long as I can remember - you used to sign an annex from RAAC then the required certificate was added to the 1771 now you are required to sign a certificate again and can be asked to prodice a policy confirming you have the required cover. I won't go on as this subject has already been done to death more than once!

PW
 
#8
WW,

You didn't answer the question but I assume you are at a leave address so the requirement business ins stands - you would be claiming PCR. This has been a requirement for as long as I can remember - you used to sign an annex from RAAC then the required certificate was added to the 1771 now you are required to sign a certificate again and can be asked to prodice a policy confirming you have the required cover. I won't go on as this subject has already been done to death more than once!

PW
 
#12
Does not affect RPOD/RILOR as long as your policy covers you for commuting to one place of work but still best to have it in case you end up doing a duty journey, even if you don't intend to submit a claim cos if you have an accident you will not be covered!!

Welsh,

It may be worth asking your ins company if they would have considered you covered for that journey as you were going to your normal place of work, although not from your normal residence, if they say you would have been covered get them to put it in writing, I assume your policy meets all the other criterea:

04.0617. Insurance Cover. It is the personal responsibility of a Service person using their private motor vehicle on an authorised duty journey to ensure that the vehicle insurance policy covers the risks set out below and is insured for business use and has the following minimum cover:

a. MMA at ODR. Service personnel using their private motor vehicle on duty journeys and claiming MMA at ODR must be insured with a financial limit of not less than £10M against claims in respect of:

(1) Damage or loss of the vehicle.

(2) Bodily injury to or death of third parties.

(3) Bodily injury to or death of any passenger.

(4) Damage to the property of third parties.

b. MMA at PCR. Service personnel using their private motor vehicle and claiming MMA at PCR must be insured with a financial limit of not less than £10M against claims in respect of 04.0617a(2) to (4).

Above is from JSP 752, if you get something in writing and your policy covers you as above as a minimum (most do) It may be worth asking your RAO to submit a case on your behalf, you never know your luck!!
 
#13
It's only the Army that bother checking you have business insurance. If you're not insured, why do they care - you're the one in the cack if you have an accident - in your own car!
 

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