Car insurance help!

bravoxray

Hi there. I’m 18 years old and have a little VW polo 1.2. I’ve been insured with my provider since June this year building my no claims. However I’ve recently started a new job which will eventually require me to drive to site. I’d travel about 30 miles each way to the same site every day. We change sites about every 6 months when one is completed. 

My dad rang my insurance to check if this would be covered under the normal commuting insurance to which the answer was no. They said business insurance would be required which just seems ridiculous when I’m employed full time, going to the same place every day for months on end. 

Other insurance companies I’ve seen sometimes state travelling to one place of work per day would be acceptable under normal commuting, however I’ve been quoted around £6,000 from them. 

Does anyone have any ideas? I’d greatly appreciate any support. 

tripled

Have you asked how much it would be to add business use on? I've had business use on my policy for years, and for me it usually makes negligible difference to insurance quotes. Of course, you might find different.

DullGreyGuy

Got a £1 refund once when upgrading from commuting to business. 

Business Class 1 covers the policyholder to drive to multiple employers/clients sites where the driving is just a mechanism of relocation rather than a fundamental part of the job itself. 

The fact your dad called your insurers does smell like that you are maybe having him front the policy? Beyond the general issue of that there would be the more specific issue for Class 1 in that it only covers the PH. 

bravoxray

DullGreyGuy said:

Got a £1 refund once when upgrading from commuting to business. 

Business Class 1 covers the policyholder to drive to multiple employers/clients sites where the driving is just a mechanism of relocation rather than a fundamental part of the job itself. 

The fact your dad called your insurers does smell like that you are maybe having him front the policy? Beyond the general issue of that there would be the more specific issue for Class 1 in that it only covers the PH. 

Thanks for the info. My dad simply called to ask the question as I wasn’t able to whilst at work. It’s all in my name and I’m the PH. I think I could need to shop around perhaps. I’ve just looked on a few comparison sites and the cheapest been offered is £5,600 😱

DullGreyGuy

bravoxray said:

DullGreyGuy said:

Got a £1 refund once when upgrading from commuting to business. 

Business Class 1 covers the policyholder to drive to multiple employers/clients sites where the driving is just a mechanism of relocation rather than a fundamental part of the job itself. 

The fact your dad called your insurers does smell like that you are maybe having him front the policy? Beyond the general issue of that there would be the more specific issue for Class 1 in that it only covers the PH. 

Thanks for the info. My dad simply called to ask the question as I wasn’t able to whilst at work. It’s all in my name and I’m the PH. I think I could need to shop around perhaps. I’ve just looked on a few comparison sites and the cheapest been offered is £5,600 😱

Not sure how he'd have passed data protection for them to discuss pricing etc with him on your policy but ok. 

LightFlare

Are you sure are are looking at/asking the correct question ?

 there may be a misunderstanding that you want to use your car FOR work (hire and reward)

bravoxray

DullGreyGuy said:

bravoxray said:

DullGreyGuy said:

Got a £1 refund once when upgrading from commuting to business. 

Business Class 1 covers the policyholder to drive to multiple employers/clients sites where the driving is just a mechanism of relocation rather than a fundamental part of the job itself. 

The fact your dad called your insurers does smell like that you are maybe having him front the policy? Beyond the general issue of that there would be the more specific issue for Class 1 in that it only covers the PH. 

Thanks for the info. My dad simply called to ask the question as I wasn’t able to whilst at work. It’s all in my name and I’m the PH. I think I could need to shop around perhaps. I’ve just looked on a few comparison sites and the cheapest been offered is £5,600 😱

Not sure how he'd have passed data protection for them to discuss pricing etc with him on your policy but ok. 

He wasn’t asking for my policy specifically. He called asking in general if their commuting insurance would cover. To which they said no. They only asked for his name that was it 🤷‍♂️

bravoxray

LightFlare said:

Are you sure are are looking at/asking the correct question ?

 there may be a misunderstanding that you want to use your car FOR work (hire and reward)

Well this is the thing I worry about, the options are so vague. Social domestic and commuting from my provider is travelling to a “permanent place” of work. To which they’ve said a site which I might change every six months or so is not permanent. But then as you say, business insurance just sounds like I’m trying to use my car for hire and reward, which I’m not 😆

DullGreyGuy

bravoxray said:

LightFlare said:

Are you sure are are looking at/asking the correct question ?

 there may be a misunderstanding that you want to use your car FOR work (hire and reward)

Well this is the thing I worry about, the options are so vague. Social domestic and commuting from my provider is travelling to a “permanent place” of work. To which they’ve said a site which I might change every six months or so is not permanent. But then as you say, business insurance just sounds like I’m trying to use my car for hire and reward, which I’m not 😆

There are 3 classes of Business Use and Hire & Reward comes after those 3

Business 1 - PH only where transport isn't main part of job
Business 2 - as per 1 but for ND as well as PH
Business 3 - where moving about is a fundamental part of the job (eg traveling salesman)
H&R - your explicitly paid to carry goods or people from A to B

GrumpyDil

I agree that something is off on the price. My daughter has had business use since she passed her test at 18 to cover her driving to different work locations and it made a couple of quid difference. I'd try and get a specific quote from your insurance company (from experience, if you can do that online it will likely be cheaper) and make sure it is for the correct type of business cover. 

bravoxray

GrumpyDil said:

I agree that something is off on the price. My daughter has had business use since she passed her test at 18 to cover her driving to different work locations and it made a couple of quid difference. I'd try and get a specific quote from your insurance company (from experience, if you can do that online it will likely be cheaper) and make sure it is for the correct type of business cover. 

Hi thanks for the info. I spoke over the phone to Ageas insurance and they have said that I would be covered under their normal commuting as long as it was just one site a day, not travelling around all day. 

Mind if I ask who your daughter is with? I’m looking at all the different providers to find the best quote.