Classic Insurance for a contract worker
Discussion
Dear All,
I've been getting quotes for classic car insurance, limited mileage, agreed value, and also occasional commuting.
My job is a design engineer, for my own company, but I'm still employed not self employed. I work on the clients premises for the length of the contract, that could be anywhere between 3 months and a matter of years.
Last broker I spoke to (Lancaster) said that if I worked at more than one work address per year, it means business use and therefore that had to be factored into the insurance.
Does this sound right? He had no reason to mention it as he matched a cheaper quote anyway, it just sounds a bit strange, as a permanent member of staff moving jobs would also have two workplace addresses in one year. I haven't been able to check with the other companies as they've now closed.
Simon
I've been getting quotes for classic car insurance, limited mileage, agreed value, and also occasional commuting.
My job is a design engineer, for my own company, but I'm still employed not self employed. I work on the clients premises for the length of the contract, that could be anywhere between 3 months and a matter of years.
Last broker I spoke to (Lancaster) said that if I worked at more than one work address per year, it means business use and therefore that had to be factored into the insurance.
Does this sound right? He had no reason to mention it as he matched a cheaper quote anyway, it just sounds a bit strange, as a permanent member of staff moving jobs would also have two workplace addresses in one year. I haven't been able to check with the other companies as they've now closed.
Simon
Yes - the use of the car for a particular journey is relevant.
'Standard' is Social, Domestic & Pleasure (SDP)
SDP&C includes commuting; commuting is defined as travelling to and from one fixed work address.
Class 1 is travelling on employer's business, which covers travelling to clients' premises; if it is your company that is contracted to do the work, your are effectively travelling to your client's premises. I suppose if you were simply a contract worker/freelance working on fixed term contracts, you might argue that you are merely working solely for 1 employer, and that employer changes every e.g. 6 months (that's speculation, not sure if that's correct).
'Standard' is Social, Domestic & Pleasure (SDP)
SDP&C includes commuting; commuting is defined as travelling to and from one fixed work address.
Class 1 is travelling on employer's business, which covers travelling to clients' premises; if it is your company that is contracted to do the work, your are effectively travelling to your client's premises. I suppose if you were simply a contract worker/freelance working on fixed term contracts, you might argue that you are merely working solely for 1 employer, and that employer changes every e.g. 6 months (that's speculation, not sure if that's correct).
Yes this is where it gets very confusing.
My job is office based so it would be occasional commuting to and from a fixed work address, it's just that after 3, 6, 9 months or even years it would change to a different address, but it would still be just to and from that fixed address for the length of that contract. No other driving would be needed.
I'll have to check with the other insurers I spoke to before making a decision.
My job is office based so it would be occasional commuting to and from a fixed work address, it's just that after 3, 6, 9 months or even years it would change to a different address, but it would still be just to and from that fixed address for the length of that contract. No other driving would be needed.
I'll have to check with the other insurers I spoke to before making a decision.
Hello
From what you have described it would be classed as business use as your place of business is likely to change throughout the year. Even little things like going to the bank or getting paper for your printer etc would be business trips if you used your car and it was for your work.
From what you have described it would be classed as business use as your place of business is likely to change throughout the year. Even little things like going to the bank or getting paper for your printer etc would be business trips if you used your car and it was for your work.
does that mean as he use the car for business he can claim for the expenses on the car as business? im sure it will work both ways then.
its commuting to work... if insurance company's are so anal about it we have to be careful if our parking spot is used and we have to park the car on a different spot.
why don't insurance brokers use their brain and use common sense instead of looking to anything out of normal as a chance to pocket more money?
its commuting to work... if insurance company's are so anal about it we have to be careful if our parking spot is used and we have to park the car on a different spot.
why don't insurance brokers use their brain and use common sense instead of looking to anything out of normal as a chance to pocket more money?
MigX said:
does that mean as he use the car for business he can claim for the expenses on the car as business? im sure it will work both ways then.
its commuting to work... if insurance company's are so anal about it we have to be careful if our parking spot is used and we have to park the car on a different spot.
why don't insurance brokers use their brain and use common sense instead of looking to anything out of normal as a chance to pocket more money?
VAT can be reclaimed, and expenses written off against tax (if that's the right expression), yes.its commuting to work... if insurance company's are so anal about it we have to be careful if our parking spot is used and we have to park the car on a different spot.
why don't insurance brokers use their brain and use common sense instead of looking to anything out of normal as a chance to pocket more money?
Commuting has a clear definition as explained above. What does parking spots have to do with anything?
Insurance companies define the terms and write the policies; insurance brokers compare different products and give advice on which will suit a client's needs the best.
xRIEx said:
VAT can be reclaimed, and expenses written off against tax (if that's the right expression), yes.
Commuting has a clear definition as explained above. What does parking spots have to do with anything?
Insurance companies define the terms and write the policies; insurance brokers compare different products and give advice on which will suit a client's needs the best.
thank you for correcting me. i will take notes and wont write the same again.Commuting has a clear definition as explained above. What does parking spots have to do with anything?
Insurance companies define the terms and write the policies; insurance brokers compare different products and give advice on which will suit a client's needs the best.
in Portugal its so much easier. you insure a car. that's it. it`s insured. anyone can drive it (as long as the owner gives consent).
a good thing about what i wrote is that the op now know that he can reclaim vat and expenses.
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