Car insurance - commuting to different sites

[Rockatansky]

Not sure if this is in the right section, mods please move if appropriate.

It's car insurance renewal time for me, and to slightly complicate matters I've also recently changed job.

I now require to work at one of 8 different locations depending on work demands. My rota changes week by week, but I only travel to one site per day and stay there for the working day.

My query is whether this counts as "commuting to a single place of work".

It seems like travelling between different work sites during the day may be business use but that only one site - even if it differs day to day - could be a single place. That's certainly the interpretation I favour!

I've searched online and found information to suggest that this is the case, but largely I'm finding it hard to find the information on insurers websites.

Has anyone else been here / dealt with this scenario?

[JulianHJ]

I'm in that position. I have business (class 1??) cover to address it.

[Rockatansky]

JulianHJ said:

I'm in that position. I have business (class 1??) cover to address it.

Thanks

[Davie]

Everybody will have their own mitigating circumstances however all my previous insurers have asked "commuting... to a single place of work" and so I added business use to cover me just in case and from memory, the difference in premium with some insurers was minimal. Pretty sure Adrian Flux actually gave a cheaper price a few years back for having business use and ramping the mileage up to 40k a year. Strangely. Worth asking / shopping around.

[MB140]

Rockatansky said:

JulianHJ said:

I'm in that position. I have business (class 1??) cover to address it.

Thanks

This, it costs peanuts. I’m RAF and sometime use my own car to travel between bases if no MT is available. I have to prove I have business cover each year to allow me to do this.

[alscar]

It might be worthwhile putting your circumstances to a broker and let them help by finding a suitable Insurer ?
Howdens ( the old A Plan ) might be a good place to start.

[djohnson]

I work from multiple offices and regularly visit clients, my wife uses her car in her charity work visiting different locations and sometimes moving stuff around, both our cars have class 1 business cover. As others have said class 1 business use is very cheap. I’d just get it rather than debating whether your particular circumstances might be covered without it.

[Road2Ruin]

Rockatansky said:

Not sure if this is in the right section, mods please move if appropriate.

It's car insurance renewal time for me, and to slightly complicate matters I've also recently changed job.

I now require to work at one of 8 different locations depending on work demands. My rota changes week by week, but I only travel to one site per day and stay there for the working day.

My query is whether this counts as "commuting to a single place of work".

It seems like travelling between different work sites during the day may be business use but that only one site - even if it differs day to day - could be a single place. That's certainly the interpretation I favour!

I've searched online and found information to suggest that this is the case, but largely I'm finding it hard to find the information on insurers websites.

Has anyone else been here / dealt with this scenario?

Do you get paid mileage to travel to any sites?
Business use, quite probably.

[Rockatansky]

Road2Ruin said:

Do you get paid mileage to travel to any sites?
Business use, quite probably.

For all bar one of the sites, yes I do. Good point.

I've rerun quotes on the usual comparison sites with & without business use and, as many of you said, there's not much in it.

I'll go for that and keep myself right. It's not a position I've had to think about before, so thinking about it 'out loud' on here has been helpful. Thanks for all your input

[Pica-Pica]

MB140 said:

Rockatansky said:

JulianHJ said:

I'm in that position. I have business (class 1??) cover to address it.

Thanks

This, it costs peanuts. I m RAF and sometime use my own car to travel between bases if no MT is available. I have to prove I have business cover each year to allow me to do this.

Surely, RAF work is a bit different to plain business?

[redstar1]

Pica-Pica said:

Surely, RAF work is a bit different to plain business?

Yes, I just had to drop something off over Tehran....

[CloudStuff]

Of course it's down to us all to follow the rules, carefully answer all questions and ensure we have cover that meets our needs.

But there's more than a whiff of arcane practices here, designed to catch people out - turning minor clerical errors into serious, potentially career ending criminal matters.

[Sheepshanks]

Someone posted recently that their insurer (well known name, might have been Admiral) had commuting to one place per day.

[Rockatansky]

Sheepshanks said:

Someone posted recently that their insurer (well known name, might have been Admiral) had commuting to one place per day.

This is where some of my confusion started....

According to Admiral:

"Commuting is the next class up, and covers everything included in Social, Domestic and Pleasure, plus driving to and from one place of work in a day. "

https://www.admiral.com/magazine/guides/car-insura...

[IJWS15]

The correct answer is to ask your current, or intended, insurer. You want to find out what their interpretation is now and not when you have been pulled and plod are seizing your car.

Anything else is worthless speculation.

[loskie]

There's no confusion here.

You said that you get paid for the journeys to all but 1 site.

Getting paid is not commuting therefore you have one permanent base that you commute (do not get paid) to.

You need business insurance from what you describe.
Even to drop a letter off or part off somewhere on the way home you will need business insurance.

[Mr Tidy]

Car insurance has gone mad!

When I worked in that industry in the 70s/80s/90s Class 1 Business Use was the basic level, but now S,D&P is with commuting as an extra and Class 1 as a dearer extra. Thieving barstewards.