Supporting Transport Drivers Through the Hidden Toll of Road Accidents

In a 2025 study by Aviva, one in eight drivers (12%) in the UK said they feel nervous driving after a collision. This nervousness can linger long after the event, affecting confidence, wellbeing, and the ability to get back on the road.

For van drivers, couriers, and HGV professionals – whether self-employed or working within a fleet – the stress often continues long after the roadside is cleared. A single incident can interrupt work, damage customer relationships, and cause weeks of financial and emotional strain.

As brokers, we often talk about policies, premiums, and claims. But behind every claim is a person dealing with disruption, worry, and pressure. That is where thoughtful support really matters.

Understanding the Impact: It Goes Beyond the Vehicle

When a vehicle is off the road, the knock-on effects can be serious, especially for those who are self-employed or run small fleets:

• Loss of income if there is no replacement vehicle or if work is paused

• Stress and anxiety from dealing with insurers, customers, and time pressure

• Physical injury, even if minor, that affects driving confidence

• Customer expectations that do not pause just because the van is in the garage

• No HR department or team to fall back on when working solo

A claim might only take days or weeks to process, but the emotional and financial effects often last much longer.

Practical Steps to Reduce Stress Caused by an Accident

Reducing the risk of accidents through safe driving and planning is always the first priority. But since no amount of preparation can remove risk entirely, it is just as important to be ready for what happens next. Here are some practical steps to help you prepare in advance, and to support your recovery if an accident does occur:

 

✅ 1. Have a clear action plan

Keep a simple checklist in the glovebox:

• Record details at the scene (photos, third-party info, witness contact)

• Get in touch with your broker or insurer promptly – they can guide you through what to do next

• Avoid admitting liability at the scene

 

✅ 2. Check your courtesy vehicle cover

Some policies include a replacement van, but others limit this to non-fault claims or a few days only.

Also, not all courtesy vehicles are insured for business use. If you transport goods or make deliveries, make sure the temporary vehicle is covered for "hire and reward." Otherwise, using it for work could invalidate the cover.

 

✅ 3. Communicate early with clients

If deliveries or appointments are affected, give customers early notice and realistic timelines. Most people are understanding, but silence often leads to unnecessary stress.

 

✅ 4. Take care of your wellbeing

Even minor accidents can cause lasting stress. Common signs include sleep disruption, nervousness behind the wheel, or feeling overwhelmed.

Employers have a role to play too. Transport companies should actively support the wellbeing of their drivers, whether through access to mental health resources, clear post-incident procedures, or time off for recovery.

If you are struggling, it is important to remember that you are not alone, and help is available.

Helplines and Support Services

Whether you are struggling after an accident or just need someone to talk to, the following services can help:

• Mind (Mental Health Support)
  📞 0300 123 3393 | mind.org.uk
  Free information and helpline for emotional distress and anxiety.

• The Road Haulage Association (RHA)
  rha.uk.net
  Offers member support, including legal advice, training, and wellbeing resources.

• NHS Mental Health Helpline
  📞 111 option 2 (England)
  Free 24/7 mental health support

• RedArc Personal Nurse Adviser and Membership Helplines

  Available through some income protection or critical illness insurance policies, RedArc offers access to a named nurse adviser who can provide personalised emotional, practical, or recovery support.

  In addition, some employers or membership organisations, such as BHSF, offer confidential mental health helplines and wellbeing support. It is worth checking what is included in your employee benefits or membership plan, as these services are often underused and can make a real difference after an incident.

How We Support Our Clients Through Stressful Claims

At Ratcliffes, we believe a broker’s role is not just about setting up cover, it is about being there when clients need support the most.

Here is how we help make a real difference during and after a claim:

• Listen and reassure: A few calm words can ease the panic in a stressful moment.

• Chase and explain: We help communicate with insurers and explain what is happening, and what is next.

• Highlight additional support: Let clients know if their policy includes extras like legal expenses cover, income protection, or driver helplines.

• Review cover annually: To ensure replacement vehicle terms and other protections suit their changing needs.

Looking After the Driver Behind the Claim

A collision may only last a moment, but its effects can linger for weeks or longer. From shaken confidence to disrupted work and income loss, the emotional toll is often overlooked.

Support after an accident should go beyond repair shops and paperwork. Drivers need reassurance, practical help, and sometimes even space to recover, especially when they rely on their vehicle to earn a living.

Whether you are a courier, a fleet operator, or a self-employed van driver, having a plan and the right team behind you can make all the difference.

You do not have to navigate it alone.

At Ratcliffes, we are here to help you get back on the road safely, confidently, and supported in every way that matters.