communiting/business use more or less costly insurance wise?

londonTiger

I know that doing less than 5K miles is actually more detrimental than doing more than 5K miles. the magic number seems to be 8K miles. I presume if you're hardly driving it it means you're less experience or the car is sitting parked for stretches of time which makes them grab the eye of thieves.

So was wondering whether the same logic applies for communiting/business use? currently only covered for social & domestic.

If it's going to be different I'm wondering how much of a differnece will it be percentage wise.

forgotmyname

Well a piece of string is this long..

<~~~~~~~~~~~~~~>

londonTiger

before anyone asks, I'm paranoiod about rining the insurer and asking. I have a feeling they have a record of everything on file. Say you call in and just enquire about cover for business use. But then you realise it's too expensive and decide not to use it for business.

Then you have an accident at 5pm on a weekday. (working from home, went to supermarket). Tell insurer. They deduce you must have been commuting and not social/domestic. The fact that you enquired about business use earlier means you mustve been using your vehicle for business and not telling them.


Soooooo.. that's why I don't want to ring them and want to get a ballpark estimate.

bigjl

I thought you already used you vehicle for business?

Something to do with delivering cases to places for clients I seem to remember.

Therefore you must surely have business use on there.

Though if your business is delivering things I would suspect you would need insurance cover very similar to that needed by a courier.

I have business cover on wife's Clio and had it on my Volvo, don't think it made any major difference to the premium, maybe £20 a year.

Aretnap

Adding business use to my policy this year cost me about the as much as a pint of beer. I've had one insurer (think it was Direct Line) throw it in for free without being asked. YMMV of course.

cynicalgit_2

IMHO it is best to be properly covered with car insurance.
They'll find any excuse not to pay out in the event of a claim.
They laughingly charge £25 if you change name and address details.
Remember insurance companies give you an umbrella when the sun shines and take it away when it rains.

colino

There are generally 3 variations in Business Use, the first, though while theoretically a higher risk because they are driving more during peak hours and exposed to more risk carrying the driver from place to place and meeting to meeting, doesn't seem to affect premiums much. Higher up the scale, up to when the business is actually carrying light goods, or heaven help you, you need goods in transit cover, it starts to hurt. All down to the individual insurer and the risk they asses on it, but it starts from the first mile and continues right up to the cover you need.

vaio

another vote for next to nothing (for class one at least)

Gloomendoom

Next to nothing... as long as you aren't carrying goods or samples.

In fact, it cost exactly nothing to add it to my current policy.

Prothet_of_Doom

Interesting. Wifey, had her car insured social and domestic only. Didn't think driving to her mothers, to park the car one day a week to do an unpaid 3/4 day at a charity, travelling by train was comuting. Came to renewal. and I thought "Heck if my car breaks and I need it to get to a client (I work freelance but miles from home usually), then that isn't comuting, it's business use,"

and the price went up from 210 to 213. Fair enough

Then DD passes test, and I do all sorts of suregate quotes on line, with or with out DS. (at uni), with or without me, but one factor I note is that with a 17 year old as a named driver it is cheaper by £100 (5%) to have the main driver using it for business use, than social and domestic only.

AdrianC

Just go and play with a Meerkat. It'll tell you in seconds flat. No two companies will have the same criteria.