Car insurance

shazapink78

Hello, my 18 year old daughter recently started driving and took out tesco bank insurance with the black box to monitor her driving, she also started a new job which is a sports coach and travels to and from work, which involves a different school, sports centre etc from time to time. Tesco asked for another £550 as they said this was classed as business insurance because it is a different place of work every day. Once she is at work the car is parked till her shift is finished and is going home , can someone advise me on this please. She does not car any equipment or people, she is travelling to her work place. May I add we have paid Tesco as they threated to cancel policy.
Regards Sharon

Quentin

Tesco are correct

Had she been involved in an incident or police check whilst driving to it from her various places of work her journey would not have been covered by her insurance and she would have been driving uninsured.

So any claim would have been rejected ( any successful claim from a third party would have been paid by her insurer who would have come after her to reimburse them) and were police involved a fine and points

paddyandstumpy

Quentin wrote: »

Tesco are correct

Had she been involved in an incident or police check whilst driving to it from her various places of work her journey would not have been covered by her insurance and she would have been driving uninsured.

So any claim would have been rejected ( any successful claim from a third party would have been paid by her insurer who would have come after her to reimburse them) and were police involved a fine and points

Agree class 1 is needed. However, regarding the above all I will add is the insurer could then look to recover costs from your daughter.

However, given she is 18 and i presume with limited assets, they'd have a hard job getting a recovery and many insurers wouldn't bother instigating a recovery unless one was likely.

Aretnap

Most insurers define simple commuting as driving to or from a "single" or "permanent" place of work or study. If she's driving to several different sites in connection with her work then she needs business cover, even if she only visits one site on any given day.

Personally I've never found that adding business cover makes a significant difference to my premium; indeed some insurers (eg Direct Line) include it as standard for most professions. It may be different for young drivers, but it may also be that most of the premium increase is actually down to her change of job - sports coach is one of those jobs which is a little out of the ordinary, and which some mainstream insurers are reluctant to cover because their system doesn't allow them to differentiate between someone who is doing PE lessons for kids at a local school, and someone who is coaching Wayne Rooney (imagine the size of the loss of earnings claim if you ran over Wayne Rooney in the car park and broke his leg). Did she tell them about the new job at the same time?

She can certainly shop around and see if she can get business cover for a sports coach at a lower price. It may or may not make sense to change now depending on Tesco's cancellation terms and the size of any saving, but it's worth looking into. Insurers all have different target markets, and if your circumstances change it's quite common for an insurer that was cheap for your old circumstances to be uncompetitive for the new ones.

shazapink78

Thank you all for your help, First time on a site like this, she has never been in an accident, made more sense to keep the policy and pay what they asked till it runs out in February 2017 and shop around for cheaper then. She told them she was working when she got the job, I thought business insurance was if you used your car for work ie taxi driver or using your car if you didnt have a van like a joiner etc. She works for Glasgow life sports and culture, hopefully in time it will settle to one place of work.
Regards Shaza