ash_hammond
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| posted on 30/11/09 at 09:18 PM |
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Insurance usage question
Me and the Mrs are having a friendly debate over the usage of the car inconjunction with the wording of the policy.
She is a teacher and 99.9% of the time goes to the same fixed location. Occasionally they asked her to go on a training course.
The wording on the policy is "Social, domestic or pleasure purposes including regular travel to or from a permanent place of work. Excluding use
by the policyholder or any driver for any business use, racing, rallies, competitions or trials"
I say she is not insured to go to a training course as its not her permanent place of work.
She disagrees.
Anyone care to comment on who may be right.
-- Ash
.: www.mac1motorsports.co.uk | www.m1moc.com :.
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asn163
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| posted on 30/11/09 at 09:21 PM |
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Hi Ash,
I would agree with your view.
Simon
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JoelP
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| posted on 30/11/09 at 09:21 PM |
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only an issue if they define 'perminant'. What if she changed job next year?
I discuss this occationally with my employee when i ask him to drive to jobs!
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owelly
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| posted on 30/11/09 at 09:25 PM |
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I was told by an isnurance broker a few years ago, if you are claiming travelling (mileage or time) in conjunction with work, then you need to have
cover for work use.
http://www.ppcmag.co.uk
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Charlie_Zetec
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| posted on 30/11/09 at 09:30 PM |
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I work for a company whose parent firm has about a dozen offices scattered over the UK, plus a few abroad. My main office that I work from is about
15 miles away, although sometimes I'm required to attend meetings in different locations.
When it came to renewing my insurance, I explained the situation to insurer and they said that I would be covered by a "social, domestic, please
& commuting policy". As long as the vehicle isn't used for specific work purposes such as a plumber or sparky transporting goods or
tools associated with the trade, or you claim mileage expenses on a regular basis, then commuting would suffice.
I think it's down to personal interpretation and if you use the vehicle for sole a designated job. The most I ever have to take with me is the
laptop, which is insured by the company directly should I ever lose it.
Still, I always ask to ensure there can be no misunderstanding!
[Edited on 30/11/09 by Charlie_Zetec]
Artificial intelligence is no match for natural stupidity!
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eznfrank
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| posted on 30/11/09 at 09:38 PM |
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I've worked mostly in motor insurance for the last 12 years. You're correct, strictly speaking to the letter of the policy it would not
be covered, however, I think in the event of a claim only a really tight arse claims tech would pull you up on that. That being said, for most
occupations Level 1 business use is usually free unless you're a mechanic, pizza delivery etc etc
[Edited on 30/11/09 by eznfrank]
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ash_hammond
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| posted on 30/11/09 at 09:39 PM |
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quote:
Originally posted by Charlie_Zetec
I work for a company whose parent firm has about a dozen offices scattered over the UK, plus a few abroad. My main office that I work from is about
15 miles away, although sometimes I'm required to attend meetings in different locations.
When it came to renewing my insurance, I explained the situation to insurer and they said that I would be covered by a "social, domestic, please
& commuting policy". As long as the vehicle isn't used for specific work purposes such as a plumber or sparky transporting goods or
tools associated with the trade, or you claim mileage expenses on a regular basis, then commuting would suffice.
I think it's down to personal interpretation and if you use the vehicle for sole a designated job. The most I ever have to take with me is the
laptop, which is insured by the company directly should I ever lose it.
Still, I always ask to ensure there can be no misunderstanding!
[Edited on 30/11/09 by Charlie_Zetec]
I agree with Charlie in his post as it says "social, domestic, please & commuting policy" ours states permanent location, if its just
loosly termed commuting i would agrre she would be covered. Its the permanent location that bothers me.
.: www.mac1motorsports.co.uk | www.m1moc.com :.
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Gazeddy
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| posted on 30/11/09 at 09:44 PM |
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i seem to remember its the first place in the day. ie home-work not home-work-training place
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mccsp
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| posted on 30/11/09 at 10:32 PM |
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Switched to business insurance on my car recently. No extra cost. But More Than said I didn't need to if only one place of work on any given
day.
Why do it the easy way, when I can do things my way!
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l0rd
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| posted on 30/11/09 at 11:04 PM |
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Nice topic.
As far as i am aware, you can commute to different sites as it is the same company after all. Never heard that you need to have bussiness insurance if
you claim mileage.
Oups 
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David Jenkins
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| posted on 1/12/09 at 08:51 AM |
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You could always ring the insurance company/broker...
...after all, we pay them enough, so they could answer one question surely! (and I hope you don't mind me calling you Shirley?).
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mad4x4
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| posted on 1/12/09 at 12:38 PM |
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Opt for Class 1 business - this allows you to travel to and from different sites. usually cost about £0 to £10 more a year. Try and get you emplyer
to pay it...
Scot's do it better in Kilts.
MK INDY's Don't Self Centre Regardless of MK Setting !
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