Insurance details

Okell

Ibrahim5 said:

When you phone an insurer you get someone in a call centre anywhere in the world who has no idea how to answer questions like that. I had a car that my wife drove a few miles a day for over 300 days a year. For holidays I would drive it across Europe for thousands of miles. Who was the main driver? They couldn't tell me. I think some policies have a clause that whatever you are told eg by a call centre isn't legally binding.

When I'm buying insurance I've never had a problem with an agent answering any question I've asked.  If they couldn't answer I'd have my doubts about that company and go elsewhere.

My experience buying insurance is you get what you pay for.  Some things are worth doing properly.  Insurance is one of them...

Baldytyke88

DullGreyGuy said:

There are many cases on the ombudsman where people have tried to get "creative" with their job titles or work statuses and then when a claim happens they give the honest answer and suddenly find their insurance void for non-disclosure. Some of those cases the complainer was at fault for the accident so it was a very expensive mistake to try and be clever. 

My friend would say his wife was unemployed, but she would more likely call herself a stay-at-home mum

Baldytyke88

paul_c123 said:

"As a volunteer" could well be interpreted as voluntary work, which is business use. It could also be interpreted as part of SDP but that's more tenuous. 

It's quite clear to me that doing council work and not being paid is not a business.

My question related more to the tools, which I could quite easily take out. I have previously transported my lawn mower in my car and more recently in my van, to mow a relatives lawn, he is 98 and in a care home.

cw8825

Baldytyke88 said:

paul_c123 said:

"As a volunteer" could well be interpreted as voluntary work, which is business use. It could also be interpreted as part of SDP but that's more tenuous. 

It's quite clear to me that doing council work and not being paid is not a business.

My question related more to the tools, which I could quite easily take out. I have previously transported my lawn mower in my car and more recently in my van, to mow a relatives lawn, he is 98 and in a care home.

Do you want advice or somebody to tell you what you have seemingly already decided?

They want to know what the van is used for and what risk they are agreeing to?

As a volunteer you should be covered for business use. 
It's not sdp

Okell

cw8825 said:

Baldytyke88 said:

paul_c123 said:

"As a volunteer" could well be interpreted as voluntary work, which is business use. It could also be interpreted as part of SDP but that's more tenuous. 

It's quite clear to me that doing council work and not being paid is not a business.

My question related more to the tools, which I could quite easily take out. I have previously transported my lawn mower in my car and more recently in my van, to mow a relatives lawn, he is 98 and in a care home.

Do you want advice or somebody to tell you what you have seemingly already decided?...

I have formed the opinion from previous threads that the OP asks questions he doesn't really want answers to...