When deciding on the level of business insurance your company needs, it helps to understand what risks your organisation could face in the future.

One of the easiest ways to prepare for potential hazards that could affect your business is to find out the reasons why other companies and individuals have made claims on their business interruption cover and relevant insurance policies.

While you may expect the typical claims for damage caused by weather events, theft and accidental damage, you may not expect some of these vehicle insurance excuses – compiled by employment learning and development resource BusinessBalls.com.

My car hit…

– A claimant had hit a cow with their vehicle and provided this humorous exchange in the claim form’s question and answer section.

“Q: What warning was given by you? A: Horn. Q: What warning was given by the other party? A: Moo.”

– While some people attempt to remove blame from themselves, it can cause an interesting version of events when laying an insurance claim. For example:

“An invisible car came out of nowhere, struck my car and vanished”, “My car was legally parked as it backed into another vehicle” and “When I saw I could not avoid a collision I stepped on the gas and crashed into the other car.”

Language barriers

– Sometimes it’s difficult to put the events into words, resulting in a number of confusing claims, including:

“I knew the dog was possessive about the car but I would not have asked her to drive it if I had thought there was any risk” and “I had been driving for 40 years when I fell asleep at the wheel and had an accident.”

Truly bizarre

Sometimes there is no interpretation for the claims people place, such as the following excuses:

“In an attempt to kill a fly, I drove into a telephone pole”, “I bumped into a lamp-post which was obscured by human beings”, “I pulled away from the side of the road, glanced at my mother-in-law and headed over the embankment.” and “The accident was caused by me waving to the man I hit last week.”