commuting versus business use (car insurance)

forgotmyname

Until one day you need it and phoning them to add it costs £75 admin fee + £20 premium.

Or you dont tell them and have an accident on the way, Then they ask why were you not at work that day. Its a long way off your commute.

richard734

for the sake of a few pounds, I always add it to my own policy. I was once told one of those annecdotal stories about someone who had a accident on the way to the airport for a business trip, and the insurers decided he was travelling on behalf of his work and refused to cover him as he didnt have business use.
Its worth putting it into the comparison sites as my wife's price went down after adding it.

Admiral were, at one point, positivly discriminating for Business Users, I can only guess they figured that in certain circumstances, people with business use are better risks....

laidbackgjr

When I renewed this year, I actually got lower quotes by adding business use to my policy!

LandyAndy

gpc273 wrote: »

Add business use to a search engine, I have had it for 10 years as I commute to several different places of work each week and I have never been charged extra for it.
Gotta have it as my employer checks annually.

This.

When MrsLA set up her own business we changed both cars to business use at no additional cost.

tir21

the language used is so open to interpretation, and could easily confuse

"commuting to a single place of work" doesnt rule out working at different locations, so long as you do your entire shift at a single location

so on monday you could work at lacation a, tuesday location b etc and you would have fulfilled the requirement to commute to a single place of work

its not the same place everyday but it is a single place

Quentin

A

tir21 wrote: »

the language used is so open to interpretation, and could easily confuse

"commuting to a single place of work" doesnt rule out working at different locations, so long as you do your entire shift at a single location

so on monday you could work at lacation a, tuesday location b etc and you would have fulfilled the requirement to commute to a single place of work

its not the same place everyday but it is a single place

Nevertheless you are lucky to have come here and had it explained to you that you need business cover not just commuting.

If your current insurer wants an extra £150 for this then you also need to change insurers as they look to be overcharging you big time (unless you have an unusual occupation that attracts higher premiums when you drive as part of the job.

tir21

Quentin wrote: »

A

Nevertheless you are lucky to have come here and had it explained to you that you need business cover not just commuting.

If your current insurer wants an extra £150 for this then you also need to change insurers as they look to be overcharging you big time (unless you have an unusual occupation that attracts higher premiums when you drive as part of the job.

i think absolutely everyone needs business cover because no employee can ever guarantee that their company wont ask them to attend a meeting at some location such as a hotel

tir21

dacouch wrote: »

You would be wrong.

The old definition was SDP+CPPB which was Social, Domestic and Pleasure and Commuting to a Permanent Place of Business.

It's often shortened to just Commuting now, it really depends on how the Insurer worded the question and any information it supplies along with the question.

Commuting to various places of work would require class one use with the vast vast majority of Insurers

just spoke to an insurance company through the online messaging option and had this responce:


"SD+P with commuting is one place of work in your day, the journey there and back, if you are going to more than 1 place of work in a day, you will need to have personnal business use."

"If it is one place one day, then another place the next day, you will be covered on SD+P with Commuting."


i thyen asked her about a situation where youve never had a meeting at any other location other than where you work - but the company decides to have a meeting in a hotel say at 7pm after work

if you go to work then drive to the meeting you will not be covered. However if you had a day off and drove to the meeting you would be covered

this makes a mockery of insurance policies. How many people are going to realise that one meeting a year after work at another location means you need business cover rather than sdp&c?

wouldn't it be incumbent on employer to ensure you had business insurance if they requested employees to attend a meeting at some other place to usual place of work - on a day that you had already gone to your usual place of work ?

the only way they could get around such an issue would be to schedule the meeting on a weekend

its this type of ambiguity that give insurance companies a bad name imo

dacouch

tir21 wrote: »

just spoke to an insurance company through the online messaging option and had this responce:


"SD+P with commuting is one place of work in your day, the journey there and back, if you are going to more than 1 place of work in a day, you will need to have personnal business use."

"If it is one place one day, then another place the next day, you will be covered on SD+P with Commuting."


i thyen asked her about a situation where youve never had a meeting at any other location other than where you work - but the company decides to have a meeting in a hotel say at 7pm after work

if you go to work then drive to the meeting you will not be covered. However if you had a day off and drove to the meeting you would be covered

this makes a mockery of insurance policies. How many people are going to realise that one meeting a year after work at another location means you need business cover rather than sdp&c?

wouldn't it be incumbent on employer to ensure you had business insurance if they requested employees to attend a meeting at some other place to usual place of work - on a day that you had already gone to your usual place of work ?

the only way they could get around such an issue would be to schedule the meeting on a weekend

its this type of ambiguity that give insurance companies a bad name imo

Ask him / her to confirm that in writing which I doubt they will as the person has probably taken a flyer at the answer

ic

Assuming your employer is paying you a mileage allowance, this should be considered to cover your fuel costs, increased insurance charges, increased maintenance costs and depreciation of your car through increased mileage. If it doesn't cover all that, you're not being paid enough.