Business miles

Confusedandneedhelp

An alternate story about insurance

I telephoned my insurer to add business usage to my policy and surprised to hear that I'm getting a £132 refund as my premium has been lowered. Che Ching!!

rexmedorum

right well done!

I've often found on quotes that it makes little difference, but I want the option to drive to other offices and sometimes the airport for work very occasionally.

I did wonder though if you don't have it and used your ca to drive to the airport for a work trip are you technically uninsured? Same for driving between work offices?
How would anyone ever be able to check?

Confusedandneedhelp

Good question, my insurance had commuting, which covered me for my permanent place of work, which I understood as where my desk is. But since I work in public engagement I'm often required to go to different events. My insurers said because of this I needed business miles ( obviously I'm happy with that! )

I would imagine that a business trip would be similar to this, ie going to another location for the purposes of work.

Might be worth checking what u get per mile as opposed to claiming back public transport. I get 67p a mile for the first 3500, so to me it would've been worth paying any extra had that been the case.

trailingspouse

Class 1 business use is usually free or very cheap - basically it would be daft not to have it if you need it. A business trip is anything work-related that isn't 'going to your normal place of work' but the definitions of that can get complicated. For example when I worked as a supply teacher it was 'normal' for me to work at lots of different locations. Or now that I'm self-employed, if I go to the supermarket for the weekly shopping, but pick up something for the office while I'm there, does that count as a business trip?? If you have it, then you're covered. Simples.