Using personal car for meetings - Insurance Issues.

SueC_2

tawecdl wrote: »

they asked me all the questions you mentioned above and they still stated £173 plus £25 admin fee.

Switch insurer, there are plenty out there that don't charge extra for business miles.

Guest101

My insurers refunded me around £130 on my premium when I added business use. Guess each is different

engineer_amy

direct line automatically include business mileage for free. Any other insurer I have been with I have asked about cover when going to meetings or driving to town to do business lodgements in a bank. they have said as long as I am not carrying goods or samples related to the business then its covered.

getmore4less

The change that often causes any difference is the increase in annual mileage.

changes mid term are also an issue as a lot of insurance has removed the free changes to get prices down so now admin and change/cancellation fees.

dacouch

SueC wrote: »

For insurance purposes commuting is defined as being your "permanent place of work", so would not include travelling to other sites.

https://www.confused.com/motor-insurance/get-covered/car-insurance-classes-of-use

That link is written by an employee of confused who knows little about Insurance but lots about writing bluff for SEO.

This part is absolute B.S....

"Dropping someone else off at their place of work may also be classed as commuting by your insurer."

System

tawecdl wrote: »

Well to be honest it is more like attending different depot's for the day but as the depot is not not my usual depot I can claim the mileage. So I assumed this would be classed as commuting to and from work (not business use) if that makes sense.

I will negotiate maybe get an extra holiday or something, thank you for your help.

Commuting for the purposes of the car insurance is almost always to a single place of work. As an agency driver who could be at five different places in a week I had to have business insurance. However there are different classes of business insurance and the one where you're just travelling to meetings, not carrying goods etc is usually free to add on most policies.

comeandgo

When I added business use to my Tesco car insurance it added very little cost. Make sure your insurance company understand your business travel is limited and nor each day.

sangie595

SueC wrote: »

Switch insurer, there are plenty out there that don't charge extra for business miles.

^^^ This^^^

I travel all the time for business, and have never, in 40+ years, had to pay a penny extra on insurance.

jobbingmusician

Another vote for switching here. I've never had to pay extra either.

gettingtheresometime

I think it cost me £1