Quick car insurance question

omnomnom

omnomnom

omnomnom

Soldato
Joined
9 Mar 2012
Posts
19,644
Hi,

Hopefully this will be straightforward. I have my own car that is insured fully comp and i have commuting as part of my insurance. I am being asked to go on various morning courses in March (miles away from work place) then back to work.

Would this be classed as business use? If i dont have business miles am i technically breaking the law as it isnt my normal place of work?

Hope this makes sense

Thanks
 
I don't see why you'd have to notify insurance. When you have commuting on your insurance its not like you have to give them your work address is it.
 
FlapR said:
I don't see why you'd have to notify insurance. When you have commuting on your insurance its not like you have to give them your work address is it.
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Well no but then if i were to have an accident to or from i wouldnt want anything to be invalidated due to technicalities.
 
I'd suggest you need class 1 business use - if you were commuting to and from one permanent place of business then just commuting would suffice but if you are going to more than one place of work, technically you'd need class 1 business use (especially if you are travelling between the course and work on the same day - ie. not just there and then home again)

Having said that, it all boils down to what you tell the insurer on the claim form - who's to say you weren't popping to the bank or the shops?
 
Ai thats true. Its also whether id be willing to do that for my work place which im not.

As it stands id be doing this:

Home
Course
Work
Home

Looks like ill have to check my insurance as from what im reading id need business miles.
 
I would not usually follow a sun link but

COMMUTERS beware - dropping off your loved one at work may not be covered by your car insurance.
Millions of drivers who act as morning chauffeurs could be liable for huge bills when insurers don't pay out - let's find out how to stay one step ahead.
...
The first covers non-work related driving only. If you add on commuting use you're able to drive to and from one permanent place of work - but are still not covered for other work-related trips.
It doesn't allow you to drive to client meetings, training days or to another office - for that you'd need to sign up for business class use.
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we are usually provided with a hire car for training courses .. probably for the above reason.
 
I would suggest you check with your insurance provider. Even if you do need to change the policy the cost won't be prohibitive, and you could also speak to your employer about helping to cover the additional cost.
 
Spoken to Tesco, it classes as business use and I would need Business Class 1 insurance at a cost of around £8 a month!

Not a great amount of money really but still, good to know for future use.
 
omnomnom said:
Ai thats true. Its also whether id be willing to do that for my work place which im not.

As it stands id be doing this:

Home
Course
Work
Home

Looks like ill have to check my insurance as from what im reading id need business miles.
Click to expand...
If you're visiting multiple sites in one working day, I would have expected business class 1 is needed. It adds virtually nothing to my premiums so it's not something to worry about, it's not likely to add hundreds because they think you're a taxi now.
 
omnomnom said:
Spoken to Tesco, it classes as business use and I would need Business Class 1 insurance at a cost of around £8 a month!
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you can just pay for the one off month though ?

... I am intrigued to find out whethe the Sun 'comment' , has any truth
Millions of drivers who act as morning chauffeurs could be liable for huge bills when insurers don't pay out
 
jpaul said:
you can just pay for the one off month though ?

... I am intrigued to find out whethe the Sun 'comment' , has any truth
Millions of drivers who act as morning chauffeurs could be liable for huge bills when insurers don't pay out
Click to expand...

Im assuming it's implying that they don't have commuting on the form, which imo is a bit of a grey area in the suns example.
 
acemastr said:
You're commuting to work, your work is just further away that day
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MooMoo444 said:
Work is asking you to go so it’s commuting to a new place of work. You should be fine.
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I would have expected commuting to be to your registered place of work. The fact that he's expected to go from one place of work (for the training course) back to his registered place of work would be considered as business mileage.

@OP have you asked work how they're expecting you to get to and from the training place? Frankly any decent company wouldn't even entertain the thought of you risking your personal insurance/car to travel for work, they'd offer up a hire car, or pay for the cost of a taxi/train etc.
 
theone8181 said:
Im assuming it's implying that they don't have commuting on the form, which imo is a bit of a grey area in the suns example.
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my Aviva polcy is one designated work place a day for commuting .. so if I regularly drop someone off, elsewhere, maybe business class1 is required ?
... in the case of an accident does the insurance company want to know why you were there, and, who was the other person in the car
 
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