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Car Insurance For "business" Use - Can I Claim It?

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Car Insurance For "business" Use - Can I Claim It?

Postby Fermin » Sat Oct 07, 2017 7:00 pm

Please note this question applies to car insurance in the UK (but all advice is welcome!)





I have a standard insurance policy which includes Social, Domestic, Pleasure and Commuting and is fully comprehensive. My job will now however require me to attend meetings at various client sites, obviously during work hours. Does this mean I have to extend my policy to cover Business use as well? If so should I my employer reimburse this (in addition to the 40p per mile they will pay me)?





A few details:





I will ONLY use the car to travel to client sites. I will not transport equipment (apart from a laptop) or do any deliveries etc.


It?s my own car and I am a NAMED DRIVER on the policy (i.e. not the policy holder).


I will only travel once or at most twice a month to meetings.


I have two cars insured on the same policy (if this makes any difference).





I would really appreciate any advice you can give me on getting the best deal (in case I DO need to get extra cover).
Fermin
 
Posts: 67
Joined: Wed Jan 29, 2014 1:13 am

Car Insurance For "business" Use - Can I Claim It?

Postby Hartwood » Mon Oct 09, 2017 8:18 pm

Well in the U.S. your vehicle would be considered as commercial use and you would need to get your insurance changed.

1. you will be on the road more.

2. you will be traveling more miles per day.

3. you will have people other than yourself or your family in the vehicle.

4. you need to protect yourself as well as the others.
Hartwood
 
Posts: 54
Joined: Tue Dec 31, 2013 12:22 pm

Car Insurance For "business" Use - Can I Claim It?

Postby Garfield » Wed Oct 11, 2017 9:57 am

Insuring someone aged under 25 can cost a fortune. Yet by adding a second driver with a good record to the insurance, even if they won't use the car often, it can smooth out the average risk and sometimes reduce the premium. It won't always work, but it?s worth playing with quotes to check.


http://www.very-cheap-car-insurance.co.uk/business-car-insurance

The practice of dividing premium considerations on the basis of gender is commonly followed in the West, which is yet to catch up in India. However, some insurers consider female drivers better than male drivers, making the female drivers entitled to higher discounts than their counterparts. However at no point should you add your name as the main driver on a younger driver?s policy instead of them. This is known in the industry as fronting and is fraud. When you come to claim, this will often be checked out and your insurance will be invalidated.
Garfield
 
Posts: 53
Joined: Tue Apr 08, 2014 2:38 pm

Car Insurance For "business" Use - Can I Claim It?

Postby Amald » Wed Oct 11, 2017 7:14 pm

Please note this question applies to car insurance in the UK (but all advice is welcome!)

I have a standard insurance policy which includes Social, Domestic, Pleasure and Commuting and is fully comprehensive. My job will now however require me to attend meetings at various client sites, obviously during work hours. Does this mean I have to extend my policy to cover Business use as well? If so should I my employer reimburse this (in addition to the 40p per mile they will pay me)?

A few details:

I will ONLY use the car to travel to client sites. I will not transport equipment (apart from a laptop) or do any deliveries etc.

It?s my own car and I am a NAMED DRIVER on the policy (i.e. not the policy holder).

I will only travel once or at most twice a month to meetings.

I have two cars insured on the same policy (if this makes any difference).

I would really appreciate any advice you can give me on getting the best deal (in case I DO need to get extra cover).
Amald
 
Posts: 57
Joined: Tue Feb 18, 2014 6:50 pm

Car Insurance For "business" Use - Can I Claim It?

Postby Reginald » Thu Oct 12, 2017 2:35 am

Compare price and service options by getting quotes from at least three insurance companies. Make sure you request the same coverage from each to get an apples-to-apples comparison. Rates may vary from one company to another, and the lowest priced insurance may not give you all the coverage you need. Look at price, amount of coverage, benefits and claims services before you make your decision. Insurance can seem complicated with so many choices available to protect you and your car. Nationwide offers easy-to-read descriptions of various insurance coverages so you can understand the basics, such as the difference between collision and comprehensive, before you call an agent or get a quote online.
Reginald
 
Posts: 43
Joined: Mon Mar 03, 2014 5:40 pm


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