Business Use insurance for named driver

Business Use insurance for named driver

Author
Discussion

AudiMan9000

Original Poster:

738 posts

49 months

Saturday 20th April
quotequote all
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)?

AudiMan9000

Original Poster:

738 posts

49 months

Saturday 20th April
quotequote all
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?
I didn’t ask as I prefer to ask on here.

AudiMan9000

Original Poster:

738 posts

49 months

Saturday 20th April
quotequote all
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?

AudiMan9000

Original Poster:

738 posts

49 months

Sunday 21st April
quotequote all
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.