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What is the difference between personal business use and commuting?
Libra1975
Posts: 286 Forumite
I am not sure which to request on my car insurance. As a personal trainer I drive to different peoples houses and I thought commuting was to one fixed work address.
TIA.
TIA.
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Comments
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it is, you'll need business use.0
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Thank you.0
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commuting is to your place of work. i.e. a fixed address office (or periodic trips to other offices of your work). House visits would not be commuting but would be business use.I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.0
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Most insurers would count commuting only as a single place of work. Periodic trips to other offices often will require business use cover - though many insurers dont charge anything for adding this on top of commuting,.0
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I don't pay anything extra for business use needed to visit clients. However, certain insurers don't offer it, so some will disappear from the comparison sites when you add it.I am a mortgage broker. You should note that this site doesn't check my status as a Mortgage Adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice. Please do not send PMs asking for one-to-one-advice, or representation.0
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when i do a quote for the wife, for 10k miles SDP+C, it costs say £750 pa
When i add business miles/use, so total 30k miles (say 20k business miles), cost is £1512 (average) + .............
Must be like pay more if u use the road more!!!!
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yes, that is just mileage that will be driving that premium..0
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Business use added nothing to the cost of my policy.0
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