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PaulKey
Occasionally has a life
Joined: Sun Apr 26, 2009 8:18 am
Posts: 385
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Anyone know whether there's a cost implication for including business use on your car insurance policy as well as social, domestic and pleasure ?
We occasionally have to travel a few miles to another site for training courses and up to now I've just driven there and not given it a second thought. The boss however has deemed that this is business travel and we must show proof of insurance for business use.
I'm smelling an increased premium here.
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| Tue Mar 09, 2010 9:37 am |
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Nick
Spends far too much time on here
Joined: Thu Apr 23, 2009 11:36 pm
Posts: 3527
Location: Portsmouth
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Shouldn't they be paying for it, then?
My employer pay to insure my car for business use.
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| Tue Mar 09, 2010 9:39 am |
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dogbert10
Doesn't have much of a life
Joined: Thu Apr 23, 2009 8:23 pm
Posts: 638
Location: 3959 miles from the centre of the Earth - give or take a bit
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Last time I had it on mine it didn't cost anything, and I used to travel the length and breadth of the country.
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i7 860 @ 3.5GHz, GTX275, 4GB DDR3
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| Tue Mar 09, 2010 9:42 am |
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saspro
Site Admin
Joined: Thu Apr 23, 2009 5:53 pm
Posts: 8603
Location: location, location
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Tesco's used to include business travel in their policies.
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| Tue Mar 09, 2010 10:01 am |
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hifidelity2
I haven't seen my friends in so long
Joined: Fri Apr 24, 2009 1:03 pm
Posts: 5041
Location: London
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You will need to look at your policy
“Social, Domestic and Pleasure only” normally includes commuting to / from work
It depends if you go from home to the other place or from work
Also do you ever carry anyone (work colleague) with you?
Ideally you should call you Ins Co and ask.
If there is an extra premium then you should get your boss to pay or they should provide a hire car
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| Tue Mar 09, 2010 10:01 am |
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big_D
What's a life?
Joined: Thu Apr 23, 2009 8:25 pm
Posts: 10691
Location: Bramsche
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If they are that worried about the insurance, they should be providing a hire car or pool car for those trips... 
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"Do you know what this is? Hmm? No, I can see you do not. You have that vacant look in your eyes, which says hold my head to your ear, you will hear the sea!" - Londo Molari
Executive Producer No Agenda Show 246
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| Tue Mar 09, 2010 10:03 am |
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paulzolo
What's a life?
Joined: Thu Apr 23, 2009 6:27 pm
Posts: 12251
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Depends on the insurer. Some include it as an extra, others include business travel in the policy.
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| Tue Mar 09, 2010 10:23 am |
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veato
I haven't seen my friends in so long
Joined: Fri Apr 24, 2009 7:17 am
Posts: 5550
Location: Nottingham
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I add a few business miles and it costs next to nothing. There's levels of business cover though and I just needed the most basic one.
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| Tue Mar 09, 2010 10:25 am |
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tombolt
Spends far too much time on here
Joined: Fri Apr 24, 2009 8:38 am
Posts: 2967
Location: Dorchester, Dorset
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I've got a thousand miles a year business use on my policy and I don't know if it costs me any extra, but my insurance is pretty cheap.
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| Tue Mar 09, 2010 11:16 am |
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cloaked_wolf
What's a life?
Joined: Thu Apr 23, 2009 8:46 pm
Posts: 10022
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I'm with Directline. They said there was no extra cost to adding business cover. They just wanted to be aware. However, other friends who are with Directline, make modifications to their policies or cars for minimal increase and then get hit come renewal time.
_________________ He fights for the users.
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| Tue Mar 09, 2010 2:39 pm |
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okenobi
Spends far too much time on here
Joined: Thu Apr 23, 2009 6:59 pm
Posts: 4932
Location: Sestriere, Piemonte, Italia
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I usually pay £30 extra. But I haven't had the need this year. I'm a special case though with a modified policy, group 16 car and a conviction.
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| Tue Mar 09, 2010 6:36 pm |
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Fogmeister
I haven't seen my friends in so long
Joined: Thu Apr 23, 2009 7:35 pm
Posts: 6580
Location: Getting there
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At work they have a policy that covers my car for business use and then pay the fuel cost. But I have to try to get either a company car or a hire car before using my own car.
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| Wed Mar 10, 2010 7:26 am |
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