Car insurance - driving children.

hwalkerh

I help out at a local cub group and this weekend we have a day out. I think that they are expecting me to take a car full of kids to the place. I just wanted to check that there wouldn't be any problems with that and my insurance which is social, domestic and commuting cover.

I'm already nervous of driving a car full of kids, i don't have any of my own so driving other peoples around makes me worry, so i want to make sure everything is ok

12bdebt3

It would come under social, you should be fine. You can put whoever you want to in your car!

mikey72

It shouldn't have changed, look at

http://www.scoutbase.org.uk/library/misc/trailers.htm

it was 1995 though.

Dan_Smith

Nice find mickey72.

Your current cover is fine however I wouldn't accept any "petrol money" for this, as most standard car insurance policies I've read don't allow "hire and reward".

Quentin

Dan_Smith wrote: »

Your current cover is fine however I wouldn't accept any "petrol money" for this, as most standard car insurance policies I've read don't allow "hire and reward".

Advising not to accept petrol money is just perpetuating another driving myth!

You are quite in order to accept petrol money. What you can't do is make a profit out of the passengers.

eg This is from direct line's policy:

Your policy covers you for carrying passengers for social or similar purposes in return for payment.

dacouch

Dan_Smith wrote: »

Nice find mickey72.

Your current cover is fine however I wouldn't accept any "petrol money" for this, as most standard car insurance policies I've read don't allow "hire and reward".

Car sharing / pooling is ok with the vast majority of Insurers, there was an agreement made between ABI Insurers on this. It is designed to make it clear for people sharing lifts to work or the school run. You can accept petrol money providing you do not make a profit on it.

Here is the relevant quote

""Giving Lifts - All ABI (Association of British Insurers) motor insurers have agreed that if your passengers contribute towards your running costs your insurance cover will not be affected, as long as lifts are given in a vehicle seating eight passengers or less. This agreement does not apply if you make a profit from payments received or if carrying passengers is your business." (Source: ABI web site, 2005)"

It would be best for the OP to check with their own Insurers, but bear in mind a lot of call centre staff have very limited actual knowledge of Insurance. So if they say it's not covered ask to speak to a supervisor and refer them to the ABI agreement. Whoever you speak to make sure you make a note of the person's name and the date / time.

This advice may not be suitable for someone who is giving colleagues or customers a lift as part of their paid employment.

Dan_Smith

Quentin wrote: »

What you can't do is make a profit out of the passengers.

dacouch wrote: »

You can accept petrol money providing you do not make a profit on it.

Sorry but that is what I meant, not to make a profit from it!!

I tend to find people give more money than is necessary for "petrol money" (as in they make a small profit from it).

Quentin

The true cost of a journey (ie the amount you need to "cover" before starting to make a profit) is more than just the price of the fuel consumed!