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Carry and reward insurance?

flamingo747
flamingo747 Posts: 932 Forumite
Part of the Furniture 500 Posts Name Dropper Combo Breaker
in Insurance & life assurance
My husband is starting a new job doing multiple drops a day of prescriptions from local pharmacy to patients houses. He will be using our car, but employed by the pharmacy rather than self-employed. The pharmacy are looking to provide a van later in the year, but at present he will just be using ours.
The present policy has no business use, and Aviva will not add any, nor allow any top up policy for business use else.

Is Hire and Reward sort of insurance does he need?
Where would you recommend?


Thank you
Married 40y.o. mum of an autistic 11y.o. Carer/SAHM.
OS '24 Fashion On The Ration: 0(34 preloved)/67 coupons used - OS '24 Declutter Challenge: 633/500 items gone 🏅 🌟 🌟 🌟 🌟 - Now aiming for 750!
Feb GC: (1st-29th inc) £161.45/£495
 ((OS 2023 Decluttering: 740 items 🏅 🏅 🏅  🌟 . OS 2023 Fashion on the ration: 14/15 used))


Comments

  • DullGreyGuy
    DullGreyGuy Posts: 18,613 Forumite
    10,000 Posts Second Anniversary Name Dropper
    Yes its Hire and Reward that he requires.

    How many hours a day will he be doing? Is it every day? 

    There is at least 1 "top up"/PAYG policy you can buy if its limited hours it may be cheaper than a full blown 24/7 policy. 
  • flamingo747
    flamingo747 Posts: 932 Forumite
    Part of the Furniture 500 Posts Name Dropper Combo Breaker
    It's 9-5 so 8 a day, 5 days a week
    Married 40y.o. mum of an autistic 11y.o. Carer/SAHM.
    OS '24 Fashion On The Ration: 0(34 preloved)/67 coupons used - OS '24 Declutter Challenge: 633/500 items gone 🏅 🌟 🌟 🌟 🌟 - Now aiming for 750!
    Feb GC: (1st-29th inc) £161.45/£495
     ((OS 2023 Decluttering: 740 items 🏅 🏅 🏅  🌟 . OS 2023 Fashion on the ration: 14/15 used))


  • DullGreyGuy
    DullGreyGuy Posts: 18,613 Forumite
    10,000 Posts Second Anniversary Name Dropper
    Then you'll almost certainly be better off buying a full policy... the top-ups are really designed for those doing it very much part time/casually around other stuff. 
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