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Commercial use
#43843
04/02/2006 23:28
04/02/2006 23:28
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Anonymous
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Anonymous
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I am fully comp. insured for social & commuting only. If I drive to a client's house and have an accident, what are the implications? My boss just said I could claim I was driving to work, but I'm not so sure.
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Re: Commercial use
#43844
04/02/2006 23:39
04/02/2006 23:39
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Anonymous
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Anonymous
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I occasionally drive to an office other than my normal place of work and my insurer (Noel Dazely) said I had to have Business Class 1 - but it didn't actually put the premium up.
My guess is that you would officially not be insured - Whether they would find out is another question but surely not worth the risk IMO.
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Re: Commercial use
#43845
06/02/2006 22:23
06/02/2006 22:23
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Anonymous
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Anonymous
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You need Business Class 1. This shouldnt cost hardly any extra if you take it out the time of renewal.
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Re: Commercial use
#43846
06/02/2006 22:30
06/02/2006 22:30
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Anonymous
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Anonymous
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Thanks Rob & Rufus, I'll get onto it.
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Re: Commercial use
#43847
07/02/2006 00:59
07/02/2006 00:59
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Anonymous
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Anonymous
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Commuting is usually to a fixed place of work only.
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Re: Commercial use
#43848
07/02/2006 01:48
07/02/2006 01:48
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Anonymous
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Anonymous
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Business class 1 is the way to go (I use my car for going to meetings and interviews etc) - it normally costs less than £20 extra
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Re: Commercial use
#43849
07/02/2006 20:47
07/02/2006 20:47
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Anonymous
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Anonymous
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I think the phrase is 'vicarious excursion' - i.e. when a sales rep. goes out of his patch to visit his mistress  ... company will not cover him and neither will the company's insurance!
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Re: Commercial use
#43851
09/02/2006 15:45
09/02/2006 15:45
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Anonymous
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Anonymous
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My understanding is, if you get paid milage for the journey its commercal use. Direct Line has always given this to me for free.
XXMrsF
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Re: Commercial use
#43852
09/02/2006 20:42
09/02/2006 20:42
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Joined: Dec 2005
Posts: 12,546 Northumberland
AndrewR
I AM a Coop
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I AM a Coop
Joined: Dec 2005
Posts: 12,546
Northumberland
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But just because you aren't being paid mileage doesn't mean that it isn't commercial use.
For example, a builder doesn't get paid for his travelling, but his van would still have to be covered for business use.
Dear monos, a secret truth.
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Re: Commercial use
#43853
10/02/2006 03:51
10/02/2006 03:51
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Anonymous
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Anonymous
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Some companies (More than) won't cover for buisness use.
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Re: Commercial use
#43854
10/02/2006 08:07
10/02/2006 08:07
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Anonymous
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Anonymous
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Quote:
For example, a builder doesn't get paid for his travelling, but his van would still have to be covered for business use.
Wouldn't that be covered under social & commuting?
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Re: Commercial use
#43855
10/02/2006 08:25
10/02/2006 08:25
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Anonymous
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Anonymous
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Its worse if you are a rep and give clients a lift. Then you deffo need to make sure your insurance is up to the job.
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Re: Commercial use
#43856
10/02/2006 11:45
10/02/2006 11:45
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Anonymous
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Anonymous
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Quote:
Some companies (More than) won't cover for buisness use.
I am covered for business use with More Th>n! 
My Alfa Sportwagon though not the coupe, not that I think the specific car would matter.
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Re: Commercial use
#43857
10/02/2006 17:12
10/02/2006 17:12
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Joined: Dec 2005
Posts: 12,546 Northumberland
AndrewR
I AM a Coop
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I AM a Coop
Joined: Dec 2005
Posts: 12,546
Northumberland
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Quote:
Quote:
For example, a builder doesn't get paid for his travelling, but his van would still have to be covered for business use.
Wouldn't that be covered under social & commuting?
No, because such a policy would explicitly state, "commuting to a permanent place of work".
Also travelling to, say, buy building supplies wouldn't be covered, because that would be a commercial activity and not social, domestic, pleasure or commuting.
Dear monos, a secret truth.
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Re: Commercial use
#43858
11/02/2006 07:12
11/02/2006 07:12
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Anonymous
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Anonymous
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What if you're a temp. worker or change jobs regularly?
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Re: Commercial use
#43859
11/02/2006 21:15
11/02/2006 21:15
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Joined: Dec 2005
Posts: 12,546 Northumberland
AndrewR
I AM a Coop
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I AM a Coop
Joined: Dec 2005
Posts: 12,546
Northumberland
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Based on conversations with several insurance companies I'd say they don't know.
For example, the team I work for is based in Milton Keynes and, technically, that's my base office even though I've been on a project in Newcastle full-time for 4 years.
Technically every time I travel to Newcastle it's a commercial trip, because I am undertaking it on behalf of my employer's business. On the other hand, the Newcastle office is also my permanent place of work, in as much as I always work from there.
Do I therefore need class 1 business use to commute to Newcastle every morning? How about if I visit the office in Milton Keynes (which I do, on average, once a year). I can reclaim my mileage for that trip, is it therefore commercial despite MK being, arguably, the place I have worked from since 2002?
Having this conversation with several insurance companies has always led to them basically shrugging their shoulders and suggesting that I get class 1 business use (normally at no extra cost) just to be on the safe side.
Dear monos, a secret truth.
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Re: Commercial use
#43860
12/02/2006 05:53
12/02/2006 05:53
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Anonymous
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Anonymous
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I bet they don't shrug their shoulders if you ever have to make a claim. I'll ring my insurance company on Monday, but it doesn't sound like Class 1 will cover me for client site visits.
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