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Platinum accident management service

Our Platinum accident management service is here to provide you with a high-quality service when your business needs it.

Why choose constructaquote.com?

  • Our Platinum legal cover comes with plenty of helpful benefits to utilise. 
  • You have online access to your insurance details for portability.
  • Our service and call centre is entirely UK-based in south Wales.
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What is a Platinum Accident Management Service?

Life is never fair, particularly when it comes to settling accident insurance claims. Many business owners have an enormous injustice done to them when their work vehicle is involved in an accident which isn't their fault. Although they (or their driver) is completely blameless, there's still the possibility of being without a vehicle for weeks or months whilst repairs are done; and that's before contemplating the potential for legal fees and additional delays if the other party won't admit liability and the case has to go to court. To reduce the impact of these issues on businesses, at constructaquote.com we've introduced the Platinum Accident Management Service.

The Service includes the provision of a courtesy vehicle whilst yours is off the road if this can be arranged, a commitment to recovering your excess on any repairs that need doing and cover for legal fees or ancillary costs you may incur if the accident liability is disputed by the other party. If you want to be able to carry on running your business as normal following an accident, the Platinum Accident Management Service could be exactly what you're looking for.


Who needs Platinum Accident Management?

The idea behind Platinum Accident Management from constructaquote.com is that it takes the uncertainty out of the accident claim process. If you have an accident that's not your fault, Platinum Accident Management will allow your business to continue operating as usual as quickly as possible. It also removes the concern over future costs should the claim settlement process be long-winded and contentious. The type of businesses who may particularly benefit from this type of insurance include:

  • Smaller businesses who are dependent on a single corporate vehicle and who don't have the cash to buy another.
  • Businesses who have limited money to pay legal fees and insurance excesses.
  • Businesses who can't afford or don't want to be non-operational for any longer than absolutely necessary.


What does Platinum Accident Management cover?

There are several elements to the Platinum Accident Management product. In summary, these are:

  • A commitment to providing a replacement, courtesy vehicle for as long as necessary where possible following an accident that wasn't your fault.
  • Coverage of your repair excesses. If your vehicle needs repairs as a result of the accident, Platinum Accident Management will endeavour to recover them for you.
  • Legal fees and related expenses. Not all claims are settled swiftly. If the third-party contends that you were at fault, it may be the case that the claim ends up going to court. Obviously, you want your case defended robustly: the Platinum Accident Management cover will meet legal costs incurred in defending your claim.

Once in place, the cover will ensure that, should the worst happen and your business vehicle is damaged in an accident, the disruption, cost and loss of earnings to your business is absolutely minimal. Get in touch with us here at constructaquote.com to find out more.

WHY CHOOSE CONSTRUCTAQUOTE.COM FOR YOUR INSURANCE?

  1. UK based contact centre trained to help you with your insurance queries
  2. Since 1990, we've been helping businesses find the cover they need to stay protected
  3. Flexibility to adapt your policies throughout the year
  4. Your cover can include own plant & tools, hired in plant and contract works

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Read our FAQ's

It’s a legal requirement for you to have insurance cover for your van or commercial vehicles but the levels & cost of this cover are varied. So how can you be sure that you strike the right cost/cover balance when purchasing a van policy?



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These include:

  • Micro/Small/Light – used to carry small loads or deliveries. The front end is similar to a car, but with a van back, and sometimes with a raised roof.
  • Medium/Panel – van derivative of a car, looks like the van equivalent with the back windows filled. Load area and cab are joined.
  • Large/Box – similar shape to the medium vans with a larger carrying capacity, load area is segregated from the cab.
  • Pick-up – cab with an open back, where the load is uncovered.


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When quoting for there are some slight differences as insurers have to include some of the following added risks:

  • The total weight of the loaded vehicle.
  • The size, type or nature of the contents carried i.e. hazardous load.
  • Modifications such as lifting ramps.
  • Ownership of the contents within i.e. do the goods belong to the vehicle owner?


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Yes, our insurers have specific insurance policies set up designed for couriers. In addition, we can also provide goods in transit cover to give you total peace of mind. 



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