Help with Business Use for a 21 year old...

SlinkMink_2

My son just got offered a Saturday job with a local Estate Agency.
This will involve meeting clients at properties to enable access.

When we try and add 'Business Use' to the car insurance for him(21 year-old) the premiums go stupid!

Can anyone suggest how to get around it LEGALLY?

Thanks

PS: He is supposed to start next Saturday

Quentin

SlinkMink wrote: »

Can anyone suggest how to get around it LEGALLY?

Thanks

PS: He is supposed to start next Saturday

Either use public transport/bike or get the boss to let him use a company car.

StephenMarsh

Will the estate agency cover the cost of the business use ? Have you ensured his occupation is down as part time for the estate agency (i assume this is true by the nature of your OP)

Also is it his car insured in his name ?

SlinkMink_2

Estate agency will not cover cost.
He is named driver, although we have attempted to get quotes both ways, to no avail...£2700+

StephenMarsh

Insurers tend not to like named driver business use as it can imply they are the main user of the vehicle. If he is in fact the main user then the car needs to be in his name.

The problem in your sons name is his lack of NCD

SlinkMink_2

He is not the main user.
Have obtained quotes with the car in his name, makes no difference!
(But he has no NCD)

bouncydog1

If the estate agent requires him to go out and meet clients as part of his job, then they should be providing a vehicle insured appropriately. It sounds as if they want their cake and eat it - why should you/your son fund their business use?

In your son's shoes I should go back to them and advise that it is not possible to get business use insurance - has he asked if they will provide the transport for him?

PNPSUKNET

You cant get around it, I have Business class 1 on two cars for 2 people it costs an extra £30. The vans is £1800. If he has a crash its invalid so not much you can do, have to weigh the cost up