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  • FIRST POST
    • Beatle Ray
    • By Beatle Ray 7th Feb 18, 4:58 PM
    • 144Posts
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    Beatle Ray
    Does changing to commercial use for insurance incr
    • #1
    • 7th Feb 18, 4:58 PM
    Does changing to commercial use for insurance incr 7th Feb 18 at 4:58 PM
    Hello,

    My wife is considering doing dog walking and wonders that if she has to change the insurance cover from SDP to commercial use what that increase the cost, I assume it would?
Page 1
    • Car 54
    • By Car 54 7th Feb 18, 5:06 PM
    • 2,642 Posts
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    Car 54
    • #2
    • 7th Feb 18, 5:06 PM
    • #2
    • 7th Feb 18, 5:06 PM
    Premiums for business use vary according to the type of business.

    I'd expect them to take into account the possibility of claims for injury to valuable dogs.

    Don't forget to tell them about any modifications, like dog-guards.
    • MataNui
    • By MataNui 7th Feb 18, 5:28 PM
    • 928 Posts
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    MataNui
    • #3
    • 7th Feb 18, 5:28 PM
    • #3
    • 7th Feb 18, 5:28 PM
    can be lower. Mine was.
    • Warwick Hunt
    • By Warwick Hunt 7th Feb 18, 5:46 PM
    • 1,072 Posts
    • 515 Thanks
    Warwick Hunt
    • #4
    • 7th Feb 18, 5:46 PM
    • #4
    • 7th Feb 18, 5:46 PM
    Premiums for business use vary according to the type of business.

    I'd expect them to take into account the possibility of claims for injury to valuable dogs.

    Don't forget to tell them about any modifications, like dog-guards.
    Originally posted by Car 54
    Is that really a modification?
    • Car 54
    • By Car 54 7th Feb 18, 6:17 PM
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    Car 54
    • #5
    • 7th Feb 18, 6:17 PM
    • #5
    • 7th Feb 18, 6:17 PM
    Is that really a modification?
    Originally posted by Warwick Hunt
    I don't think so, but the insurer might. Better to tell them than to find out after a claim.
    • Warwick Hunt
    • By Warwick Hunt 7th Feb 18, 6:21 PM
    • 1,072 Posts
    • 515 Thanks
    Warwick Hunt
    • #6
    • 7th Feb 18, 6:21 PM
    • #6
    • 7th Feb 18, 6:21 PM
    I don't think so, but the insurer might. Better to tell them than to find out after a claim.
    Originally posted by Car 54
    I’ve never declared a guard or a cage.
    • shaun from Africa
    • By shaun from Africa 7th Feb 18, 6:29 PM
    • 9,741 Posts
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    shaun from Africa
    • #7
    • 7th Feb 18, 6:29 PM
    • #7
    • 7th Feb 18, 6:29 PM
    Don't forget to tell them about any modifications, like dog-guards.
    Originally posted by Car 54
    Is that really a modification?
    Originally posted by Warwick Hunt

    Yes.
    As far as insurers are concerned, a modification is anything that changes the car from the manufacturers original specification (That's the wording from my policy).
    Unless it's a very expensive dog guard or crate then it's extremely unlikely to have any effect on the premium but with some insurers using anything to avoid paying out, why take the risk?
    • Warwick Hunt
    • By Warwick Hunt 7th Feb 18, 6:53 PM
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    Warwick Hunt
    • #8
    • 7th Feb 18, 6:53 PM
    • #8
    • 7th Feb 18, 6:53 PM
    Yes.
    As far as insurers are concerned, a modification is anything that changes the car from the manufacturers original specification (That's the wording from my policy).
    Unless it's a very expensive dog guard or crate then it's extremely unlikely to have any effect on the premium but with some insurers using anything to avoid paying out, why take the risk?
    Originally posted by shaun from Africa
    So what about a bike rack or roof rack, you declare those too?

    There must be 1000’s of uninsured drivers who have fitted kiddies car seats.
    • shaun from Africa
    • By shaun from Africa 7th Feb 18, 7:15 PM
    • 9,741 Posts
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    shaun from Africa
    • #9
    • 7th Feb 18, 7:15 PM
    • #9
    • 7th Feb 18, 7:15 PM
    There must be 1000’s of uninsured drivers who have fitted kiddies car seats.
    Originally posted by Warwick Hunt
    Why?

    Surely you are aware of the fact that irrespective of what you do to your vehicle or how you drive it, an insurer can't invalidate your insurance as far as it relates to third party risks so no, there won't be 1000's of uninsured drivers

    What insurers can do is to lower any payout should a claim be made and they find that modifications had been made and not declared, and this is something backed up by the financial ombudsman:
    http://www.financial-ombudsman.org.uk/publications/ombudsman-news/79/79-motor-insurance.htm#cs11

    If one car is in the factory state and one has an expensive dog guard or dog crate fitted, the latter one may be more attractive to thieves if they know they can sell the guard or crate for a few £'s.

    Why give insurers any excuse to avoid paying out or paying out a reduced amount?
    It only takes a minute or two to inform them of any changes, something that may not even affect your premium.
    • neilmcl
    • By neilmcl 7th Feb 18, 7:27 PM
    • 10,531 Posts
    • 7,426 Thanks
    neilmcl
    Yes.
    As far as insurers are concerned, a modification is anything that changes the car from the manufacturers original specification (That's the wording from my policy).
    Unless it's a very expensive dog guard or crate then it's extremely unlikely to have any effect on the premium but with some insurers using anything to avoid paying out, why take the risk?
    Originally posted by shaun from Africa
    Putting in a dog guard or cage is no more a modification than say fitting a child seat.
    • neilmcl
    • By neilmcl 7th Feb 18, 7:29 PM
    • 10,531 Posts
    • 7,426 Thanks
    neilmcl
    can be lower. Mine was.
    Originally posted by MataNui
    Depends on what type of business use you've added. Standard business mileage use wont add much and like you say may even lower the premium. Using your car as a commercial vehicle may well increase your premium significantly.
    • George Michael
    • By George Michael 7th Feb 18, 7:35 PM
    • 2,959 Posts
    • 4,003 Thanks
    George Michael
    So what about a bike rack or roof rack, you declare those too?
    Originally posted by Warwick Hunt
    https://www.ukriversguidebook.co.uk/forum/viewtopic.php?t=105327
    Feeling silly for never having considered this before. I've just checked with my car insurance provider (Direct Line) and it turns out they consider a roof rack to be a modification

    https://www.moneywise.co.uk/news/2015-10-21/why-roof-rack-could-invalidate-your-car-insurance-half-term
    Matt Oliver, car insurance spokesperson at the comparison site, said: “The logistics and traffic that usually accompany a half-term family road-trip can be stressful at the best of times, and for most of us, the consequences of having an accident is the last thing on our minds. However, making sure you know the level of cover you have before you set off could help avoid any unexpected financial surprises.
    “Car modifications extend far beyond alloy wheels, body kits and spoilers and not informing your insurer of a roof rack or a tow bar could result in your claim being rejected. If it wasn’t there when the car left the showroom, it’s worth checking with your provider
    • Car 54
    • By Car 54 7th Feb 18, 7:46 PM
    • 2,642 Posts
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    Car 54
    We're missing the point here. The OP is planning to transport dogs as a business, so a dog guard is very relevant.
    • Warwick Hunt
    • By Warwick Hunt 7th Feb 18, 8:11 PM
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    • 515 Thanks
    Warwick Hunt
    Come back when you’ve got some real evidence.
    • Warwick Hunt
    • By Warwick Hunt 7th Feb 18, 8:13 PM
    • 1,072 Posts
    • 515 Thanks
    Warwick Hunt
    Why?

    Surely you are aware of the fact that irrespective of what you do to your vehicle or how you drive it, an insurer can't invalidate your insurance as far as it relates to third party risks so no, there won't be 1000's of uninsured drivers

    What insurers can do is to lower any payout should a claim be made and they find that modifications had been made and not declared, and this is something backed up by the financial ombudsman:
    http://www.financial-ombudsman.org.uk/publications/ombudsman-news/79/79-motor-insurance.htm#cs11

    If one car is in the factory state and one has an expensive dog guard or dog crate fitted, the latter one may be more attractive to thieves if they know they can sell the guard or crate for a few £'s.

    Why give insurers any excuse to avoid paying out or paying out a reduced amount?
    It only takes a minute or two to inform them of any changes, something that may not even affect your premium.
    Originally posted by shaun from Africa
    And would you tell them if you were fitting a child seat or even a dog seatbelt restraint?
    • hollie.weimeraner
    • By hollie.weimeraner 7th Feb 18, 8:19 PM
    • 1,450 Posts
    • 863 Thanks
    hollie.weimeraner
    My wife started a dog walking business last year. Insured my Auris estate for business use without any change in cost. She was thinking of using the car as a pet taxi but couldn't find cover for that, that was affordable so had to ditch that idea.
    • Tarambor
    • By Tarambor 8th Feb 18, 5:42 AM
    • 2,232 Posts
    • 1,605 Thanks
    Tarambor
    We're missing the point here. The OP is planning to transport dogs as a business, so a dog guard is very relevant.
    Originally posted by Car 54
    My wife has a flyball team. She transports ours in dog cages as does every other member of the team. Nobody uses dog guards.
    • Tarambor
    • By Tarambor 8th Feb 18, 5:44 AM
    • 2,232 Posts
    • 1,605 Thanks
    Tarambor
    She was thinking of using the car as a pet taxi but couldn't find cover for that, that was affordable so had to ditch that idea.
    Originally posted by hollie.weimeraner
    Liability insurance to cover injury to the dogs, hire or reward insurance for the vehicle as you're carrying other people's goods for profit.
    • Car 54
    • By Car 54 8th Feb 18, 8:34 AM
    • 2,642 Posts
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    Car 54
    My wife has a flyball team. She transports ours in dog cages as does every other member of the team. Nobody uses dog guards.
    Originally posted by Tarambor
    She transports flies in a dog cage?
    • Car 54
    • By Car 54 8th Feb 18, 8:38 AM
    • 2,642 Posts
    • 1,694 Thanks
    Car 54
    Liability insurance to cover injury to the dogs, hire or reward insurance for the vehicle as you're carrying other people's goods for profit.
    Originally posted by Tarambor
    AIUI hire & reward would only be relevant if the she was being paid to carry the dogs. She isn't: the business is walking, the transportation is incidental.

    Liability is a good point - she should also get public liability and possibly professional indemnity insurance.
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