Car insurnace commuting or business use

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rr755507
rr755507 Posts: 119 Forumite
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in Insurance & life assurance
Hi,

I recently became a remote/home worker for the company I work for. I still occasionally (once a quarter) go into the local head office. Would I need to purchase business use cover ? Or would commuting cover driving to the office?

Thanks

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  • pramsay13
    pramsay13 Posts: 1,954 Forumite
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    Business use cover is if you use the car for work, so moving people or products.
    If you only use it to travel to a place of work commuting will cover it.
  • Mrs_Ryan
    Mrs_Ryan Posts: 11,832 Forumite
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    If you are using it to travel to one fixed work place then you just need commuting.
    *The RK and FF fan club* #Family*Don’t Be Bitter- Glitter!* #LotsOfLove ‘Darling you’re my blood, you have my heartbeat’ Dad 20.02.20
  • unforeseen
    unforeseen Posts: 7,284 Forumite
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    Isn't the home now the one fixed place of work?
  • redux
    redux Posts: 22,976 Forumite
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    Maybe it doesn't cost much to add it anyway.

    I was surprised on getting quotes one year it was actually £5 cheaper to add use in connection with the business of the policyholder or their employer.
  • Samsung_Note2
    Samsung_Note2 Posts: 774 Forumite
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    My car insurance states very clearly..commuting to a single place of work.

    So how do agency people get on..or those working on building sites...id call insurance company and ask to be clear.

    Give them any wiggle room and they will void your claim if the worst happens.
  • unforeseen
    unforeseen Posts: 7,284 Forumite
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    Samsung_Note2 wrote: »
    My car insurance states very clearly..commuting to a single place of work.

    So how do agency people get on..or those working on building sites...id call insurance company and ask to be clear.

    Give them any wiggle room and they will void your claim if the worst happens.

    They have to get business cover.

    Also, am there that gets forgotten is that if your company pays you mileage then you also need cover because of that. Your employer should have a check system in place to ensure that you have the relevant cover before paying mileage.
  • rr755507
    rr755507 Posts: 119 Forumite
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    unforeseen wrote: »
    Isn't the home now the one fixed place of work?

    This is the bit I wasn't sure on.

    I understand if I go to a different office, I would need business, and/or I make any mileage claim. However, going to my local office isn't something I could make a mileage claim for.
  • lisyloo
    lisyloo Posts: 29,617 Forumite
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    This is the bit I wasn't sure on.


    What does your contract say about your place of work?
    If it says home and your insurance says a single permanent place of work then you'll need business cover (can be quite cheap).


    I would check what your employment contract says about your place of work.

    If it came down to a dispute as to whether you were insured or not then it

    would be this that is definitive about where you (officially) work.
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