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Old 22.07.2012, 19:23
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What is gross negligence in respect to car insurance?

Well I'm doing some research into my best car insurance, and came across an option on Zurich for Gross Negligence. I'm pretty sure I wouldn't need anything like this, but out of interested I'd like to know exactly what it means.

So it quotes this on the website,
"With "gross negligence" coverage, Zurich Connect will not reduce benefits if you caused an accident through gross negligence. This does not include accidents caused as a result of alcohol or drug abuse."

So what exactly is gross negligence and how does it compare with negligence? Does anyone here have this option on their car insurance?
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Old 22.07.2012, 19:47
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Driving through a red light is gross negligence I believe. Something we all hope we would not do....but can happen
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Old 22.07.2012, 19:49
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Re: What is gross negligence in respect to car insurance?

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Driving through a red light is gross negligence I believe. Something we all hope we would not do....but can happen
But isn't that illegal, therefore it wouldn't be covered by the insurance anyway?
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Old 22.07.2012, 19:49
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Re: What is gross negligence in respect to car insurance?

Its actually really worth having now.

GN used to be for say trashing a farmers fence coming off the road on a mountain pass overtaking on a blind bend in zero visability. It still covers this but now includes being caught in an unsuspected snow fall with sumer tyres on, over shooting a just changed red and running into a tram etc or other situations where with out you are automatically at fault. it doesnt add much more to the cost comparatively on our policies so I would reccomednd it...
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Old 22.07.2012, 19:55
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Re: What is gross negligence in respect to car insurance?

There's no fixed rule on what is considered gross negligence because every accident is different. BTW it's not the insurance company who decides whether something is to be considered gross negligence but the judge or the court.

The insurance company has no say in it but it has the right to reduce benefits if the court decides on gross negligence unless you buy that option. Certainly worth it IMHO as it's not expensive. About CHF 50/year IIRC.
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Old 22.07.2012, 20:01
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Re: What is gross negligence in respect to car insurance?

Absolutely right Mark... There are no hard and fast rules as a lot depends on severity of the offence. However in some cases one company can push for gross neg on the other's insurer and can be agreed between the 2 parties, especially if it is obvious, or they can push it in a court case...
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Old 22.07.2012, 23:15
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Re: What is gross negligence in respect to car insurance?

Thanks for the clear replies, much clearer now!
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Old 22.07.2012, 23:23
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Re: What is gross negligence in respect to car insurance?

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Thanks for the clear replies, much clearer now!
Feel free to pm me if you need any more explanation of the Zurich products or services.
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