Mileage allowance for part time work.

Bigphil1474

OP, do you mean Business Class insurance? If you get stopped by the police while delivering it will likely be a driving without insurance offence. As above, you need courier insurance. You won't be covered if anything happens whilst delivery driving with BC - there's a reason why it was so cheap. Your employer should know but presumably chose to ignore it.

Midway2942

https://forums.moneysavingexpert.com/discussion/comment/82011722#Comment_82011722

Well I showed my insurance certificate to my employer and he was happy enough with it. I only deliver small items from one business address to another. I am not a fast food delivery driver visiting multiple private residences.

Ectophile

I don't suppose the employer cares what insurance you have. It won't be their car seized by the police.

sheramber

https://forums.moneysavingexpert.com/discussion/comment/82012309#Comment_82012309

The people who need to be 'happy enough' are your insurance company, not your boss.

Bigphil1474

OP, I have Business Class 1 Insurance as I drive from site to site on my own and don't deliver anything. I've had it for over 30 years. It's fine for what I do in my job. As soon as you become a courier or start carrying passengers it's a different kettle of fish. Business class 2 is for an additional driver, and class 3 is for the likes of sales reps who carry samples. None of these are suitable for couriers.

I would suggest you contact your insurer, and ask them whether the cover you have is suitable for doing courier work. If it is, they should be fine sending you an email to confirm it. As above , your employer won't be in court if you get caught.

Midway2942

Ok I'm trying to get quotes for "hire and reward" add on cover but the ones I've tried so far have declined to quote. I've 30 plus years no claims and a clean licence, I don't understand why not. Zepo and INSUHR seem to be the two main providers and both declined me.

paul_c123

What are you delivering? I re-read the OP's posts, he only says what he is NOT delivering. If it is goods owned/sold by the business, you don't need hire/reward. If it is other people's items, you do. You might also consider goods-in-transit insurance (hire & reward will cover the motor/road risks element, but not the value of the goods themselves).

It may well end up this job actually loses you money, rather than makes any money for you, if the insurance is too high.

The likes of Amazon Flex, Evri, etc do "pay as you go" insurance for their gig workers.

Midway2942

https://forums.moneysavingexpert.com/discussion/comment/82016681#Comment_82016681

I'm delivering non-hazardous medical supplies for a private business, as an employee, it is not my business. I managed to finally get a quote and it was in the region of £1400, which is £1200 more than my current car insurance policy that includes standard business use.

GrumpyDil

@paul_c123 According to another quick check if your primary role is delivering something for your employer you do need hire and reward insurance.

@Midway2942 Have you tried ringing a broker although a quick search of a couple of forums suggests it will be quite expensive so may make the job uneconomic for you unless the employer agrees to cover the cost.

Midway2942

Ah so it appears this venture isn't going to be worth my while, the mileage allowance would barely cover the cost of the insurance and petrol never mind wear and tear on the car. Add in the raft of parking tickets I've received in the last fortnight and it's been nothing short of a disaster.