mechanic took car home without permission?

rodenal

Insurance that covers anyone in the business to drive any car belonging to or leased / loaned to the company is normally about £2-3k - Not that expensive for a business, even a small one. May be different where the direct line of work is vehicle repair though

Daz2009

Motor trade road risk insurance is incredibly cheap compared what to what the general public pay to insure 1 car.
How do I know ? I have motor trade insurance.
£500 and upwards for road risk any car cover......the higher the indemnity the higher the premium obviously.

I've taken customers cars home on many occasions,for various reasons.Certainly if he has no space at his garage it will be much safer parked at his home than in the street I would have thought

proactive

oldagetraveller wrote: »

No you don't! From MOT testers manual, note OR.

"Obligatory mirrors
Obligatory mirrors are
a. an exterior mirror fitted to the offside (right-hand side when seated in the
drivers seat), or

b, an exterior mirror fitted to the
nearside left hand side when seated In the drivers seat), or

c. an interior mirror."

still seems a bit obvious that a car missing a door/wing mirror on the drivers side isn't going to pass.

but if you believe that cars don't need an external mirror on the driver's side to pass an mot then go ahead, i'm not too worried, just have to agree to disagree

vaio

oldagetraveller is sort of right, what (s)he's listed are the obligatory mirrors from the MOT manual.

Which obligatory mirrors are needed on which sort of vehicle is covered further down the page and cars first used after 1978 must have the offside external mirror plus one of the others

http://www.motuk.co.uk/manual_810.htm

mikey72

trade insurance only covers for trade value, so if you lose a customers £25,000 car and only get paid £18,000 on it, you either need to go shopping for the replacement for them, or see them in court.
There's a lot of exclusions on use, and cover for family cars and use by family for the cars you own.
It may not even be covered depending on where you park, and road risk is different again to the fully comp the rest of us have.

Sally_A

mikey72 wrote: »

trade insurance only covers for trade value

Not true - Decent Motor Trade Insurers will reimburse on the same basis the vehicle was bought, even for the garage vehicles. Customer vehicles are not subject to trade settlement.

mikey72 wrote: »

There's a lot of exclusions on use, and cover for family cars and use by family for the cars you own.

True - I appreciate this is a bodyshop, but in the event of a normal service and repair garage, it is not unusual for a mechanic to take a car home to diagnose a cold start problem in the mornings, so long as this is logged in the job sheet/works diary, and it is a straight take it home, leave it overnight and bring it in to the workshop - this will be classed as business use.

mikey72 wrote: »

It may not even be covered depending on where you park, and road risk is different again to the fully comp the rest of us have.

True - and hard to believe but parked on the public highway is often covered more often, than if the garage chap parks it on his drive. As off the road could be deemed to be an "additional premises" and if undelcared could cause problems. Mad, yet true. (but only with the cheap end of the MT insurance market).

mikey72

Sally_A wrote: »

Not true - Decent Motor Trade Insurers will reimburse on the same basis the vehicle was bought, even for the garage vehicles. Customer vehicles are not subject to trade settlement.

I wrote that badly.
The key word here is decent, the £500 do tend to have t&c's that write off at trade value.

[Deleted User]

Back on topic, what happened in the end, OP?

Sally_A

I try not to deal with tat Motor Trade insurance, or those that want cheap and nasty.

Saying that, I am having grief off one of the best MT insurers at the mo, that have taken on ex Motor Traders to negotiate write off deals, all I can say is they must have been at the tat end of the market as they are convinced they can only offer trade prices. Luckily I've got the regional head honcho underwriter on the case to put them right, unfortunately it's a really nice client that they are peeing off.

Sad when a broker knows the ins and outs of a policy better than the claims team.............ho hum.......sign of the times I guess.:(

Sally_A

Deleted_User wrote: »

Back on topic, what happened in the end, OP?

Sorry, I do tend to go off topic, as MT Insurance is so exciting

The chances are, they've had to subby out the job as a lot of these mirror do a darn sight more than just give you rear vision; it may have gone to a local vehicle electrical specialist to tie up the electrics and clever bits.

Long gone are the days when you bought a pair of mirrors for a fiver from Halfords and screwed them in to place.