Car insurance business use.

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AdrianC said:

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The £20 extra Business use is what we used to have included as the "D" in SD&P (going to work at different sites)

I think you're getting confused with commuting cover, which is normally on top of SDP. And that would only cover you to a single place of business.

No, in The Olden Days, Domestic meant "anything to do with the running of a household", and what could be more domestic than going to work to earn a crust?

Then they introduced SDP & commuting.

Now it is SDP & commuting to a single regular place of employment. (Presumably people crash more if they work at a different site on a Wednesday..... )

So now you need "Business Use" (Class 1) to work at different sites, drive to a different branch for a course etc.

I expect that "Social" no longer includes drink driving, and "Pleasure" doesn't involve street racing and car cruising either

AdrianC

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AdrianC said:

facade said:

The £20 extra Business use is what we used to have included as the "D" in SD&P (going to work at different sites)

I think you're getting confused with commuting cover, which is normally on top of SDP. And that would only cover you to a single place of business.

No, in The Olden Days, Domestic meant "anything to do with the running of a household", and what could be more domestic than going to work to earn a crust?

Then they introduced SDP & commuting.

Now it is SDP & commuting to a single regular place of employment. (Presumably people crash more if they work at a different site on a Wednesday..... )

So now you need "Business Use" (Class 1) to work at different sites, drive to a different branch for a course etc.

I expect that "Social" no longer includes drink driving, and "Pleasure" doesn't involve street racing and car cruising either

I bow to your superior expertise of The Olden Days, having only been insuring cars for a third of a century personally...

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AdrianC said:

I bow to your superior expertise of The Olden Days, having only been insuring cars for a third of a century personally...

My Goodness!

The Olden Days really are The Olden Days!  I've been insuring cars for over 40 years now, and the Co-Op included driving to work in SD&P back then.

I don't think commuting had been invented then though, unless you worked in London

Grumpy_chap

AdrianC said:

Now it is SDP & commuting to a single regular place of employment. (Presumably people crash more if they work at a different site on a Wednesday..... )

So now you need "Business Use" (Class 1) to work at different sites, drive to a different branch for a course etc.

I can see that going to different places affects the risk profile.  I am not sure whether it is higher or lower risk, though.

Are you more likely to have an accident going somewhere else (unknown roads) or going to the normal place of work (familiarity, complacency)?

ElephantBoy57

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So now you need "Business Use" (Class 1) to work at different sites, drive to a different branch for a course etc.

Use by the Policyholder in person in connection with his or her business or profession.

Dr_Crypto

I've never paid more to have "Business Use" added to my policies, although it excludes commercial travelling. 

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ElephantBoy57 said:

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So now you need "Business Use" (Class 1) to work at different sites, drive to a different branch for a course etc.

Use by the Policyholder in person in connection with his or her business or profession.

but excluding the carriage of goods (at all).

Class 2 if you want a named driver (class 1 often covers spouse- BUT CHECK) to be able to use it to go to work at more than one site, or change sites in the day.

Class 3 if you want to carry light goods e.g. commercial samples or drop the odd parcel at the Post Office, or drive for a living e.g. sales  but not deliveries (carriage of goods for reward).

I wonder if taking your company laptop home would breach the terms of class 1, best not to try and claim for it in an accident

sevenhills

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There is Business use and Business use

The £20 extra Business use is what we used to have included as the "D" in SD&P (going to work at different sites)

The £200 extra Business use will cover goods in transit, but not a delivery round.

This is interesting, when a takeaway delivery driver paid an extra £1,000 and he still wasn't covered!

A takeaway driver who was banned from the road for having the wrong type of insurance has won his appeal to have his licence returned.

https://www.lancs.live/news/lancashire-news/teen-takeaway-driver-who-instant-21351462?fbclid=IwAR2wIpHUC3bOspIQXvK_VhqHFmw-BLMRFnf0_gGXUvP4hRbNhDK7c3cRWsI

TooManyPoints

Sloppy reporting:

....and the driver was handed six penalty points.
As a new driver, the points resulted in an instant ban.

The "New Drivers" legislation does not see the driver banned. Accruing six points within two years of passing a driving test for the first time see the driver's licence revoked. This is done as an administrative process by the DVLA when they are informed of the points. It is not done by the court and the court has no discretion over it. The driver can continue driving until he is informed of the revocation by the DVLA. He can then immediately apply for a new provisional licence and resume driving (with 'L' plates and an accompanying driver) as soon as he has it.