Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@. Skimlinks & other affiliated links are turned on

    • wossie
    • By wossie 6th Dec 17, 8:22 PM
    • 51Posts
    • 18Thanks
    Car Insurance Dilema
    • #1
    • 6th Dec 17, 8:22 PM
    Car Insurance Dilema 6th Dec 17 at 8:22 PM
    My head is mashed I hope someone can give proper advice, not their own opinion. I need to stay within the law.
    So I work for a global pizza company, greatness from ??? you know the tune.As a delivery driver.
    They supply insurance albeit third party insurance, when clocked in to clocked out, ie the hours working for said company, for business use, with all the bells and whistles that this company needs, to avoid being prosecuted.
    However i am unable to find car insurance that can give me a policy that accepts the above, I have just had car insurance cancelled, even though i have stated what my occupation is. Also i have had to cancel 2 policies I have just taken out, as the exclusion are no hire or reward. Even though I do not hire or reward ??? I simply use my car , to conduct my employment. I do not profit from my paid employment, I receive, nmw and a drop price, to cover fuel, etc.
    Can someone pleas advise me on what car insurance i need, where it will not be get cancelled or void due to my job. side note this has a big implication, for not only us, trying to earn a wage on a 0 hour contract, but on this plc as a whole, when taking up the job, only requirement is to provide valid car insurance, it is not stated what is "valid" car insurance. I provided valid car insurance for social domestic pleasure and commuting, it was enough for the company, to be insured under their insurance while working for them, yet your own personal car insurance becomes invalid, for the vehicle that you believe to be insured, we are not reckless drivers either, we know all we have is third party cover whist working, google cant give me a clear answer, i am unable to get a clear answer from my employer hr dept. who will not let us work unless suitable car insurance certificate is provided along with current mot and driving license
    Who can help ??
Page 1
    • Novice investor101
    • By Novice investor101 7th Dec 17, 10:11 AM
    • 140 Posts
    • 72 Thanks
    Novice investor101
    • #2
    • 7th Dec 17, 10:11 AM
    • #2
    • 7th Dec 17, 10:11 AM
    Would you not need insurance for business use? & To declare your job as a delivery driver, with the vehicle being used as the means to deliver? Social, domestic, pleasure & commuting means you are using the vehicle to get to and from work, not using for work.
    • paddyandstumpy
    • By paddyandstumpy 7th Dec 17, 10:27 AM
    • 1,057 Posts
    • 526 Thanks
    • #3
    • 7th Dec 17, 10:27 AM
    • #3
    • 7th Dec 17, 10:27 AM
    Ask another driver who their insurance is with?
    • csgohan4
    • By csgohan4 8th Dec 17, 7:09 AM
    • 4,541 Posts
    • 2,836 Thanks
    • #4
    • 8th Dec 17, 7:09 AM
    • #4
    • 8th Dec 17, 7:09 AM
    unfortunately now you have a policy cancelled by insurers, you now need to declare this and finding insurance is now going to be more difficult and more expensive.

    Did you put the use for your car as business as well??? If not then that is possibly one reason
    "It is prudent when shopping for something important, not to limit yourself to Pound land"
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

1,533Posts Today

7,818Users online

Martin's Twitter