Company lorry does not have designated driver. As long as you
are within the age limit (depending on the insurance policy), then
you should be automatically covered.
Don't forget to make report to workshop within 24 hours (check
which workshop with insurance company), as this is the rule under
Motor Claim Framework starting last year.
If you are at fault, then:
1. Taxi uncle may want to claim against your insurance.
2. If the no.1 above happens, the lorry NCD will drop to 0% upon
renewal.
3. If the repair amount is small (a few hundred $), you might
want to settle it outside the insurance. So, you just pay from your
own pocket. As a result, the lorry NCD will not be affected. And
ask the taxi uncle to sign an agreement form that he will not claim
the repair bill from insurance company.
4. Make sure there is no body injury claim by the taxi
uncle.
5. Take as many picture as possible (if it's not too late).
Good luck.