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Car insurance for commuting - what does it cover?
Comments
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It would be so much simpler if insurance could be just based on mileage, rather than WHERE you take your car.
Someone who commutes 100 miles per day constitutes a far bigger risk than someone who commutes 5 miles per day but has the odd business related trip now and again.0 -
It would be so much simpler if insurance could be just based on mileage, rather than WHERE you take your car.
Someone who commutes 100 miles per day constitutes a far bigger risk than someone who commutes 5 miles per day but has the odd business related trip now and again.
Which would mean normal drivers would subsidise the premiums for people such as sales reps who had to see large amounts of people in one day and are well known to cause more accidents.
The current system (With the manjority of companies) takes into account the mileage, the type of business use required and the occupation0 -
It would be so much simpler if insurance could be just based on mileage, rather than WHERE you take your car.
Someone who commutes 100 miles per day constitutes a far bigger risk than someone who commutes 5 miles per day but has the odd business related trip now and again.
Depends on where your business is.
If your business is outside an office then the risk is low. But in my case my business is a construction site where there are cranes, excavators, concrete, hand tools etc so my risk is higher regardless of the mileage.
Keen photographer with sales in the UK and abroad.
Willing to offer advice on camera equipment and photography if i can!0 -
I work at a single place of work but now and then I get asked to cover another site for a day. So I drive to the other site in the morning from home and back again at night. Is this classed as my normal commute to work or business use?0
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Deleted_User wrote: »I work at a single place of work but now and then I get asked to cover another site for a day. So I drive to the other site in the morning from home and back again at night. Is this classed as my normal commute to work or business use?
It depends on the Insurer, some may class this as commuting, however most would class it as minor business use so would require you to have probably Class One / A business use.
Your best bet is to contact your Insurer0
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