Help with Business Car Insurance

Cucela

Hi there, I have car insurance with Admiral and need to add business insurance. I currently have Social, Domestic, Pleasure and Commuting cover. The online account lets me change the cover to business, but if I make this change will I still have cover for Social, Domestic, Pleasure and Commuting use? I was hoping I could just add business insurance but there is no option to do this. Can anyone help? Would hate to pay £25 for a phone call to their customer service. Thanks

Grey_Critic

How is it going to cost £25.00 for a telephone call? Send them an email.

daveyjp

It probably costs £25 if you don't amend online.

Cover will be S,D, P and C and business use by the policyholder 

Sandtree

As a personal policy useage is layered until you get to business so your options are SD&P, SDP&C, SDPC&B1, SDPC&B2 or SDPC&B3

Just to be clear, its still a personal policy but with business use. Make sure you choose the right level of business use and read the terms to make sure its appropriate for your needs. Whilst traditionally you had 3 layers:

B1 - policyholder only, incidental use (eg driving between offices)
B2 - policyholder & ND, incidental use - some require both PH and NDs to work for the same business
B3 - policyholder only, driving is key to role (eg travelling sales man)

Unfortunately whilst these are the common definitions insurers are free to go their own way.

Note that Hire & Reward (taxis, couriers etc) is another layer but not available on personal policies so if you are delivering goods you cannot get away with business use (B3 allows you to carry samples as a sales person would but not deliver the orders)

Cucela

Thank you Sandtree, I didn’t realised the insurance is layered but it makes sense now. I think admiral makes it difficult to understand too as it may appear that you only have business insurance

Sandtree

Cucela said:

Thank you Sandtree, I didn’t realised the insurance is layered but it makes sense now. I think admiral makes it difficult to understand too as it may appear that you only have business insurance

In the 101 training they kept referring to Pizza as there are several areas where you get this layering effect...

Third Party Only - just covers third party liability - "the base" - have to have it but no one will get excited by it

Third Party Fire & Theft - adds on fire and theft cover - "tomato sauce and cheese" - starts becoming more interested

Comprehensive - adds own damage plus a host of extras - "the toppings" - the bit you really want and that makes you buy in the first place


This being MSE, someone will soon say that the base is the reason they get pizza and they hate all toppings

Grey_Critic

This being MSE, someone will soon say that the base is the reason they get pizza and they hate all toppings

No - just not anchovies and olives.

Ectophile

But getting insurance to deliver pizzas will cost you a lot more on your insurance bill.

born_again

Cucela said: Would hate to pay £25 for a phone call to their customer service. Thanks

Time to move insurer if they charge that much just to call them.