Commuting or Business Use??

wiogs

regency_man wrote: »

Out of interest, if I were to get business cover, then have an accident while driving for the purposes of my employer's business - would I still have to pay excess, no claims loss etc, or would by employer be liable?

Your insurance so you would be liable.

regency_man

wiogs wrote: »

Your insurance so you would be liable.

Woah! :eek: Glad I asked, I am NEVER going to drive my own car for them, could end up costing me thousands.

I have arranged to have a hire car delivered to my house Monday morning. Got the highest level of cover on it, feel a bit more secure now

Quentin

regency_man wrote: »

Out of interest, if I were to get business cover, then have an accident while driving for the purposes of my employer's business - would I still have to pay excess, no claims loss etc, or would by employer be liable?

You would only have these expenses if you were liable for the accident.

(And your employer couldn't be liable if you were to blame for an accident!)

wiogs

regency_man wrote: »

Woah! :eek: Glad I asked, I am NEVER going to drive my own car for them, could end up costing me thousands.

I have arranged to have a hire car delivered to my house Monday morning. Got the highest level of cover on it, feel a bit more secure now

A few years ago many people where I worked were told they required business cover.

To a man, and woman, everyone stopped using their own cars for any work related trips meaning the company had to hire cars as and when required.

Expensive.

regency_man

wiogs wrote: »

A few years ago many people where I worked were told they required business cover.

To a man, and woman, everyone stopped using their own cars for any work related trips meaning the company had to hire cars as and when required.

Expensive.

I can't help but feel there is a better solution to this, that the company take's out an insurance policy covering their employees to drive their own cars while on business use. Got to be cheaper than all these rental cars.

forgotmyname

My old firm had a policy that extended cover to workers cars if used for business use. But over time that got removed.

Even if you hire a car. Any damage/bills will be down to you also. Unless the firm hire it for you.

Quentin

wiogs wrote: »

A few years ago many people where I worked were told they required business cover.

To a man, and woman, everyone stopped using their own cars for any work related trips meaning the company had to hire cars as and when required.

Expensive.

As posted - all their previous work related journeys (except commutiung) were being done without proper insurance cover if they had no business cover. And would have resulted in great personal expense had they been involved in a claim.

Irrespective of the expense involved on renting cars, at least your employer has made sure they are now properly covered.

wiogs

Quentin wrote: »

As posted - all their previous work related journeys (except commutiung) were being done without proper insurance cover if they had no business cover. And would have resulted in great personal expense had they been involved in a claim.

Irrespective of the expense involved on renting cars, at least your employer has made sure they are now properly covered.

Indeed.

There are a number of pool cars but no where near enough.

So hire companies do rather well.

regency_man

forgotmyname wrote: »

Even if you hire a car. Any damage/bills will be down to you also. Unless the firm hire it for you.

When you say 'hire it for me' what does that mean exactly?

At work we have been <start corporate speak> 'empowered to arrange our own travel and accommodation' <end corporate speak> which basically means they fired all the secretaries and now we have to book our own hotels, cars etc. They all go on the company credit card though - does that mean the company is 'hiring it for me'?

I guess if the worst comes to the worst, I just pay the excess and any damages on the corporate card also.

Quentin

You need to get this clarified.

Is the hire car in your name or the company's? If the former, then you are signing the hire car agreement and accepting personally to pay any excesses etc that ensue.

Irrespective of who is responsible for paying any hire car claim related costs, you still have any incidents/claims on your personal driving history and must inform your own insurer (and any others you go to in the future - they normally require your history over 3/5 years).

Any incidents that are "taken care of" bu the hire car insurance will inevitably affect your own personal future premiums.