Business Use insurance for named driver
Discussion
My wife and I share a car. I am the registered keeper and policy holder. I am the main driver (SDP plus commuting plus business use), my wife is a named driver (SDP only).
She is thinking about getting a job (requiring commuting) or delivering parcels (requiring business use).
Will I be able to increase her to commuting or business use on my policy, or will she have to take out her own separate policy for business use (thereby eradicating the first £600 of her earnings)?
She is thinking about getting a job (requiring commuting) or delivering parcels (requiring business use).
Will I be able to increase her to commuting or business use on my policy, or will she have to take out her own separate policy for business use (thereby eradicating the first £600 of her earnings)?
AudiMan9000 said:
My wife and I share a car. I am the registered keeper and policy holder. I am the main driver (SDP plus commuting plus business use), my wife is a named driver (SDP only).
She is thinking about getting a job (requiring commuting) or delivering parcels (requiring business use).
Will I be able to increase her to commuting or business use on my policy, or will she have to take out her own separate policy for business use (thereby eradicating the first £600 of her earnings)?
What did your insurance company say when you asked them?She is thinking about getting a job (requiring commuting) or delivering parcels (requiring business use).
Will I be able to increase her to commuting or business use on my policy, or will she have to take out her own separate policy for business use (thereby eradicating the first £600 of her earnings)?
r3g said:
AudiMan9000 said:
My wife and I share a car. I am the registered keeper and policy holder. I am the main driver (SDP plus commuting plus business use), my wife is a named driver (SDP only).
She is thinking about getting a job (requiring commuting) or delivering parcels (requiring business use).
Will I be able to increase her to commuting or business use on my policy, or will she have to take out her own separate policy for business use (thereby eradicating the first £600 of her earnings)?
What did your insurance company say when you asked them?She is thinking about getting a job (requiring commuting) or delivering parcels (requiring business use).
Will I be able to increase her to commuting or business use on my policy, or will she have to take out her own separate policy for business use (thereby eradicating the first £600 of her earnings)?
AudiMan9000 said:
Actually would it not be carriage of goods for hire or reward as opposed to business use? Would that be possible for a named driver when it’s not needed for the policy holder?
If she is delivering parcels that's another level & you will likely be far more limited on insurers that will cover it.AudiMan9000 said:
Actually would it not be carriage of goods for hire or reward as opposed to business use? Would that be possible for a named driver when it’s not needed for the policy holder?
In your original post you stated that your wife was undecided as to the job she wanted so could be either,Ham_and_Jam said:
Business use is definitely not delivering parcels.
Indeed. I have class one business use for me and my wife on both our cars, and that allows going to visit suppliers and customers, but not carrying goods.
When I got into it, carrying a sample or prototype for discussion purposes, was okay but being asked if I could just take some parts that the factory needed urgently back to the factory is not okay. Because carrying goods which someone is paying for. My MD at the time was not impressed, but HR reminded him that he has an obligation to not ask people to do the wrong thing.
I’m just thinking worst case scenario, she wants to do the parcel delivery job, we have to take out a separate policy for her, meaning at 75p per parcel she’s gonna have to deliver a hell of a lot of parcels to break even.
I did see mention on a google search of Evri charging £1sometging per shift for the insurance, but this was subject to the substantive insurance allowing ‘add on’ insurance.
I did see mention on a google search of Evri charging £1sometging per shift for the insurance, but this was subject to the substantive insurance allowing ‘add on’ insurance.
vonhosen said:
Ask your insurer.
It's certainly possible for some because we have a business use for all drivers policy.
Agreed, maybe all insurance policies don't but mine, with me as main driver and the Wife as named, has both business and driving other vehicles for both of us and it wasn't something I asked for as my Wife has never actually driven my car, just how it came.It's certainly possible for some because we have a business use for all drivers policy.
vonhosen said:
Ask your insurer.
It's certainly possible for some because we have a business use for all drivers policy.
Everything is possible at a price?It's certainly possible for some because we have a business use for all drivers policy.
The OP would probably need to speakwith his insurer because the nature of each driver's job and employer is usually a question on the proposal form.
FWIW, my motorcycle insurance covers me for business use including carrying goods but not food delivery.
But if I put my occupation down as 'courier' I expect the premium would rocket.
Ask your insurer is exactly right.
Also ask the delivery co
Pit Pony said:
Ham_and_Jam said:
Business use is definitely not delivering parcels.
Indeed. I have class one business use for me and my wife on both our cars, and that allows going to visit suppliers and customers, but not carrying goods.
When I got into it, carrying a sample or prototype for discussion purposes, was okay but being asked if I could just take some parts that the factory needed urgently back to the factory is not okay. Because carrying goods which someone is paying for. My MD at the time was not impressed, but HR reminded him that he has an obligation to not ask people to do the wrong thing.
Same thing with my Mrs before she retired. The pharmacy wanted her and other staff to call in at surgeries on their way into work to collect prescriptions, then wondered if they could also do some deliveries. When they were advised of the increases they would have to pay so folks would be legal they suddenly became all uninterested.
It was a stupid idea because everyone knew that the new system where scrips are transferred electronically to patient's named pharmacy was coming in.
AudiMan9000 said:
I’m just thinking worst case scenario, she wants to do the parcel delivery job, we have to take out a separate policy for her, meaning at 75p per parcel she’s gonna have to deliver a hell of a lot of parcels to break even.
I did see mention on a google search of Evri charging £1sometging per shift for the insurance, but this was subject to the substantive insurance allowing ‘add on’ insurance.
I think I'd be more worried about her safety being out on her own delierving parcels to god knows where at all time of day. I must say I don't think I've ever seen femail deliveery drvier maybe that's the reason why.I did see mention on a google search of Evri charging £1sometging per shift for the insurance, but this was subject to the substantive insurance allowing ‘add on’ insurance.
Nibbles_bits said:
Really??
Mrs Nibbles_bits delivers with no issues. Plenty of lady-delivery-driver-men in the area she works.
In fact, most couriers of crimes I'm aware of in my area are in fact big strong ape like mens
Yes, "Really??", you make it sound like its wrong to consider peoples safety. Not everyone lives on nice estates with 2.4 children Mrs Nibbles_bits delivers with no issues. Plenty of lady-delivery-driver-men in the area she works.
In fact, most couriers of crimes I'm aware of in my area are in fact big strong ape like mens
Ask your insurer, as they all have different positions on this.
I asked my insurer if I could expand business use on my car to cover other named drivers, during lockdown. The named driver is not my spouse (actually my ex-wife - Long story, not for here!), but her car broke down, and I suggested she used mine, as I was not using it at the time because of lockdown.
She was picking up other people for work on her way in, as they worked in a nursing home, and it was believed that this would be better than using public transport, but Aviva wouldn't expand my business use to her unless she was my spouse.
I asked my insurer if I could expand business use on my car to cover other named drivers, during lockdown. The named driver is not my spouse (actually my ex-wife - Long story, not for here!), but her car broke down, and I suggested she used mine, as I was not using it at the time because of lockdown.
She was picking up other people for work on her way in, as they worked in a nursing home, and it was believed that this would be better than using public transport, but Aviva wouldn't expand my business use to her unless she was my spouse.
Gassing Station | Speed, Plod & the Law | Top of Page | What's New | My Stuff