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Commercial use #43843
04/02/2006 23:28
04/02/2006 23:28

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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.

Re: Commercial use #43844
04/02/2006 23:39
04/02/2006 23:39

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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.

Re: Commercial use #43845
06/02/2006 22:23
06/02/2006 22:23

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You need Business Class 1. This shouldnt cost hardly any extra if you take it out the time of renewal.

Re: Commercial use #43846
06/02/2006 22:30
06/02/2006 22:30

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Thanks Rob & Rufus, I'll get onto it.

Re: Commercial use #43847
07/02/2006 00:59
07/02/2006 00:59

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Commuting is usually to a fixed place of work only.

Re: Commercial use #43848
07/02/2006 01:48
07/02/2006 01:48

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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

Re: Commercial use #43849
07/02/2006 20:47
07/02/2006 20:47

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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!

Re: Commercial use #43850
08/02/2006 08:36
08/02/2006 08:36
Joined: Dec 2005
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Bath
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Fishy_Dave Offline
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Posts: 2,821
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The cost seems to vary a fair bit in my experience. I had some people refuse to insure the Coupe for class 1, although in the end Greenlight only charged me an extra £2 a year!

The Clio is more expensive for business use, in fact some of the quotes i'm getting in now are more expensive than for the Coupe fully modded!


Corvette C6 (manual of course)
Re: Commercial use #43851
09/02/2006 15:45
09/02/2006 15:45

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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

Re: Commercial use #43852
09/02/2006 20:42
09/02/2006 20:42
Joined: Dec 2005
Posts: 12,546
Northumberland
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Northumberland
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.
Re: Commercial use #43853
10/02/2006 03:51
10/02/2006 03:51

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Some companies (More than) won't cover for buisness use.

Re: Commercial use #43854
10/02/2006 08:07
10/02/2006 08:07

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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?

Re: Commercial use #43855
10/02/2006 08:25
10/02/2006 08:25

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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.

Re: Commercial use #43856
10/02/2006 11:45
10/02/2006 11:45

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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.

Re: Commercial use #43857
10/02/2006 17:12
10/02/2006 17:12
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.
Re: Commercial use #43858
11/02/2006 07:12
11/02/2006 07:12

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What if you're a temp. worker or change jobs regularly?

Re: Commercial use #43859
11/02/2006 21:15
11/02/2006 21:15
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.
Re: Commercial use #43860
12/02/2006 05:53
12/02/2006 05:53

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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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