Apparently a large percentage of us are not insured??

[TwigtheWonderkid]

Pica-Pica said:

Spitfire2 said:

carlo996 said:

Typical scummy insurance company tactics. As ever check every bit of small print when dealing with these absolute bottom feeders.

This stuff is obvious in the big print. You don't need to read the small print for such obvious facts.

Amazed at the naivety on this thread

Indeed. In insurance there is no ‘small print’. When you insure, you actively select what you declare.

Small print is in fact normal sized print that the policyholder was too lazy to read, and now wants to blame someone else for their tardiness.

The use of the vehicle is actually printed on the certificate, not hidden away in the policy, so there is absolutely no excuse for not having the use you need. As said upthread, if you can't get this right, perhaps driving isn't for you.

[98elise]

TwigtheWonderkid said:

Pica-Pica said:

Spitfire2 said:

carlo996 said:

Typical scummy insurance company tactics. As ever check every bit of small print when dealing with these absolute bottom feeders.

This stuff is obvious in the big print. You don't need to read the small print for such obvious facts.

Amazed at the naivety on this thread

Indeed. In insurance there is no ‘small print’. When you insure, you actively select what you declare.

Small print is in fact normal sized print that the policyholder was too lazy to read, and now wants to blame someone else for their tardiness.

The use of the vehicle is actually printed on the certificate, not hidden away in the policy, so there is absolutely no excuse for not having the use you need. As said upthread, if you can't get this right, perhaps driving isn't for you.

In this case its not even something you have to look into. It's a question you are asked, and given 3 options. It's about as complex as where your car is normally parked.

[Kateg28]

pocketspring said:

I've found business class to be anything from nothing to an extra 20 quid a year so just whack it on anyway. That's for possibly travelling to other sites and not hire and reward or deliveries etc.

Insurance for deliveries is jaw dropping. We have fast food delivery on both our cars (a 17yo BMW E61 and 1 month old Kia Niro EV) and we are paying around £1,400 for each car (full no claims and clean sparkly licences, in a dull part of Hertfordshire).

To be honest, the price isn't the biggest challenge, it is finding an insurer who will do it. We have to go via a broker and get specialist cover and confirm that delivery times do not impact our prices (e.g. 30 mins or food is free). We dont do many individual deliveries it is more for outside catering like quiz nights etc.

It is starting to question whether it is worth doing the deliveries as our insurance would be significantly cheaper without this increased risk.

[Somewhatfoolish]

98elise said:

TwigtheWonderkid said:

Pica-Pica said:

Spitfire2 said:

carlo996 said:

Typical scummy insurance company tactics. As ever check every bit of small print when dealing with these absolute bottom feeders.

This stuff is obvious in the big print. You don't need to read the small print for such obvious facts.

Amazed at the naivety on this thread

Indeed. In insurance there is no ‘small print’. When you insure, you actively select what you declare.

Small print is in fact normal sized print that the policyholder was too lazy to read, and now wants to blame someone else for their tardiness.

The use of the vehicle is actually printed on the certificate, not hidden away in the policy, so there is absolutely no excuse for not having the use you need. As said upthread, if you can't get this right, perhaps driving isn't for you.

In this case its not even something you have to look into. It's a question you are asked, and given 3 options. It's about as complex as where your car is normally parked.

I don't agree with that tbh, I genuinely thought I was possibly overkill by having commuting and now I find out I needed business and have been making uninsured journies? And that this will apply most likely to most people who works from home on a hybrid basis.

Edited by Somewhatfoolish on Monday 22 April 15:24

[TwigtheWonderkid]

Somewhatfoolish said:

I don't agree with that tbh, I genuinely thought I was possibly overkill by having commuting and now I find out I needed business and have been making uninsured journies? And that this will apply most likely to most people who works from home on a hybrid basis.

Edited by Somewhatfoolish on Monday 22 April 15:24

So you had commuting, which is to & from a permanent place of work, but it turns out you didn't have the correct use. What were you actually using your car for?

[Somewhatfoolish]

TwigtheWonderkid said:

Somewhatfoolish said:

I don't agree with that tbh, I genuinely thought I was possibly overkill by having commuting and now I find out I needed business and have been making uninsured journies? And that this will apply most likely to most people who works from home on a hybrid basis.

Edited by Somewhatfoolish on Monday 22 April 15:24

So you had commuting, which is to & from a permanent place of work, but it turns out you didn't have the correct use. What were you actually using your car for?

As I put in the previous page - I work from home the majority of the time, but I also work in our office (which is also my contracted place of work albeit I am also contracted to take unlimited wfh time) for a week every month, and in that week I head down to a hotel near the office (don't actually drive to the office itself as will cycle or walk hence why I thought even commuting was being a bit over cautious).

[Foss62]

Somewhatfoolish said:

TwigtheWonderkid said:

Somewhatfoolish said:

I don't agree with that tbh, I genuinely thought I was possibly overkill by having commuting and now I find out I needed business and have been making uninsured journies? And that this will apply most likely to most people who works from home on a hybrid basis.

Edited by Somewhatfoolish on Monday 22 April 15:24

So you had commuting, which is to & from a permanent place of work, but it turns out you didn't have the correct use. What were you actually using your car for?

As I put in the previous page - I work from home the majority of the time, but I also work in our office (which is also my contracted place of work albeit I am also contracted to take unlimited wfh time) for a week every month, and in that week I head down to a hotel near the office (don't actually drive to the office itself as will cycle or walk hence why I thought even commuting was being a bit over cautious).

At least according to Admiral’s definitions, your circumstances don’t seem to fall into either ‘commuting’ = driving to one place of work or a similar journey in a day, or ‘business’ = using the car to visit multiple locations.
Interesting to know what the PH expert view is?

[98elise]

Somewhatfoolish said:

TwigtheWonderkid said:

Somewhatfoolish said:

I don't agree with that tbh, I genuinely thought I was possibly overkill by having commuting and now I find out I needed business and have been making uninsured journies? And that this will apply most likely to most people who works from home on a hybrid basis.

Edited by Somewhatfoolish on Monday 22 April 15:24

So you had commuting, which is to & from a permanent place of work, but it turns out you didn't have the correct use. What were you actually using your car for?

As I put in the previous page - I work from home the majority of the time, but I also work in our office (which is also my contracted place of work albeit I am also contracted to take unlimited wfh time) for a week every month, and in that week I head down to a hotel near the office (don't actually drive to the office itself as will cycle or walk hence why I thought even commuting was being a bit over cautious).

It sounds like commuting to me, so why is it being cautious to include it?

If you need drive any part of your journey to work, then include commuting. Number of times a week doesn’t really come into in. If you were doing the odd bit of taxi work you would need hire and reward, even if it was only the odd Saturday night.

Even my Elise was insured for commuting, and I only took it into work once when my daily failed it's MOT.

[Somewhatfoolish]

98elise said:

Somewhatfoolish said:

TwigtheWonderkid said:

Somewhatfoolish said:

I don't agree with that tbh, I genuinely thought I was possibly overkill by having commuting and now I find out I needed business and have been making uninsured journies? And that this will apply most likely to most people who works from home on a hybrid basis.

Edited by Somewhatfoolish on Monday 22 April 15:24

So you had commuting, which is to & from a permanent place of work, but it turns out you didn't have the correct use. What were you actually using your car for?

As I put in the previous page - I work from home the majority of the time, but I also work in our office (which is also my contracted place of work albeit I am also contracted to take unlimited wfh time) for a week every month, and in that week I head down to a hotel near the office (don't actually drive to the office itself as will cycle or walk hence why I thought even commuting was being a bit over cautious).

It sounds like commuting to me, so why is it being cautious to include it?

If you need drive any part of your journey to work, then include commuting. Number of times a week doesn’t really come into in. If you were doing the odd bit of taxi work you would need hire and reward, even if it was only the odd Saturday night.

Even my Elise was insured for commuting, and I only took it into work once when my daily failed it's MOT.

I have commuting as seemed silly not to. The issue is whether I need business or not, I hadn't even considered it but on page 4 I am being told I do...

(Although to answer your point, the reason I consider it arguably not commuting is because the journeys are invariably on separate days too/from the hotel, not work)

[carlo996]

TwigtheWonderkid said:

Small print is in fact normal sized print that the policyholder was too lazy to read, and now wants to blame someone else for their tardiness.

The use of the vehicle is actually printed on the certificate, not hidden away in the policy, so there is absolutely no excuse for not having the use you need. As said upthread, if you can't get this right, perhaps driving isn't for you.

Insurance industry worker defends the insurance industry shocker. It's why you probably don't comprehend what the average person thinks of those in that industry

[Sebring440]

carlo996 said:

TwigtheWonderkid said:

Small print is in fact normal sized print that the policyholder was too lazy to read, and now wants to blame someone else for their tardiness.

The use of the vehicle is actually printed on the certificate, not hidden away in the policy, so there is absolutely no excuse for not having the use you need. As said upthread, if you can't get this right, perhaps driving isn't for you.

Insurance industry worker defends the insurance industry shocker. It's why you probably don't comprehend what the average person thinks of those in that industry

Twig's quote is just simple common sense — can't you understand that? And he's not an "insurance industry worker" — get your facts straight before your very weak attempt at sarcasm.

[carlo996]

Sebring440 said:

Twig's quote is just simple common sense — can't you understand that? And he's not an "insurance industry worker" — get your facts straight before your very weak attempt at sarcasm.

But he is/was. And yes, I know insurance companies very well indeed. So I suggest not lecturing me on why it is such a cesspit

[Somewhatfoolish]

Sebring440 said:

carlo996 said:

TwigtheWonderkid said:

Small print is in fact normal sized print that the policyholder was too lazy to read, and now wants to blame someone else for their tardiness.

The use of the vehicle is actually printed on the certificate, not hidden away in the policy, so there is absolutely no excuse for not having the use you need. As said upthread, if you can't get this right, perhaps driving isn't for you.

Insurance industry worker defends the insurance industry shocker. It's why you probably don't comprehend what the average person thinks of those in that industry

Twig's quote is just simple common sense — can't you understand that? And he's not an "insurance industry worker" — get your facts straight before your very weak attempt at sarcasm.

Nice to know at least two of us were gonna defend Twig - I like his posts too.

I also don't think there's any particular animosity towards people who work in the insurance industry at all. There is a small degree of animosity towards insurance companies but that's not the same thing. Certainly it isn't like the definite popular animosity towards "bankers" (which is also IME very vague and poorly thought through)

See also - popular love for "nurses"

[TwigtheWonderkid]

carlo996 said:

Sebring440 said:

Twig's quote is just simple common sense — can't you understand that? And he's not an "insurance industry worker" — get your facts straight before your very weak attempt at sarcasm.

But he is/was.

No I wasn't / no I'm not.

To understand your car insurance fully you need to read your certificate, policy, and policy schedule (which tells you which bits of the policy apply to you).
But the certificate gives certain absolutely key info that we all need to know. The details of the vehicle covered, who is covered to drive it, the use they are covered for, do you have a DOC extension, etc.

How anyone can turn round and say "how an I supposed to know my son wasn't insured to drive my car" when the certificate says "Persons entitled to drive- policyholder and spouse only" is beyond me.

Driving a car isn't a right, it's a privilege, and a big responsibility. If you cannot take 5 mins to look thru your certificate to be sure the absolute basics of your insurance meet your needs, then as I said, this driving lark isn't for you. Anyone who thinks you need to have worked in insurance to hold this view needs to have a long hard look at themselves.

Edited by TwigtheWonderkid on Tuesday 23 April 08:32

[loskie]

yep.

Back to the travel once a month to hotel for work person OP maybe? Do you claim mileage for that and/or do that in work time? If so It's business insurance you would need.


None of this is rocket science.

Insurance is costly, yes.

Mine went up from 280 to 520 this year but after a haggle I got it for 420.

But I HAVE to have it and it has to be correct.
It's not difficult to ensure that happens. Maybe costly and as one hopes they don't claim seem pointless BUT it's necessary.

It's clear in the ts and cs and even one can pick up the phone and speak to someone if not sure !!

[donkmeister]

Indecision said:

Also bear in mind there’s another category called business use - if you use your car to travel to other locations, eg to visit client sites, you’ll need to ensure you’re covered for that too.

I knew an apprentice get caught... They were pulled on their way between the office and the university for one of their half days of lectures. Following some questions the police pointed out that they were on the clock, therefore they needed business use. I seem to recall they were given words of advice, but I bet a lot of apprentices are in a similar position.

[donkmeister]

loskie said:

yep.

Back to the travel once a month to hotel for work person OP maybe? Do you claim mileage for that and/or do that in work time? If so It's business insurance you would need.


None of this is rocket science.

Well... Worth checking with your employer what the insurance situation is.

I'm insured by my employer to use my personal car for business use. That is subject to regular checks that it has tax, MOT, that I have a valid licence, any endorsements on that licence.

So yes, I use my car for business miles but my business insurance is taken care of by my employer provided I occasionally agree to them checking my licence and reg. I know some would be upset about such a check of course. One chap suddenly stopped driving for work altogether and took trains regardless of the inconvenience. It turned out he was a prolific drink driver and was worried his boss would find out.

I understand they have one of those multi-million pound "bank guarantee" bond situations for insurance rather than having the mother of admiral multicar policies, mind!

[Sheepshanks]

donkmeister said:

Indecision said:

Also bear in mind there’s another category called business use - if you use your car to travel to other locations, eg to visit client sites, you’ll need to ensure you’re covered for that too.

I knew an apprentice get caught... They were pulled on their way between the office and the university for one of their half days of lectures. Following some questions the police pointed out that they were on the clock, therefore they needed business use. I seem to recall they were given words of advice, but I bet a lot of apprentices are in a similar position.

Hmmm….Tricky one. I don’t see any sensible insurer regarding day release at university as business use. I wouldn’t trust the police officer to correctly determine that, but on the other hand if you rang your insurers call centre you could well be told the same thing.

[Muck Dodge]

On reading the previous posts regarding apprentices I am wondering if my son could get caught out with his insurance situation.

He was an apprentice plumber working for a small company with their own unit, before he passes his test I knew there were occasions when older apprentices used their cars for work. Because of this he took out business insurance but didn’t tell them so they wouldn’t take advantage. He would either drive to the unit, a plumbers house or meet at an agreed point, usually which ever was closer to him. Occasionally he would have to drive to client sites for certain personal situations such as appointments with dentists etc as there was no other means of getting / from there.

He has since moved to a larger company with one of the plumbers, the head office is approximately 50 miles away. He now either drives to the tradesmans house 6 miles away and goes to the job in the company van or gets picked up at our home in the van. Also has one day on day release to a local college.
He has since renewed insurance with commuting only, could this be wrong? Big difference in premiums because he wrote off his first car, £3300 as opposed to more than £6000+ for business use.

[Somewhatfoolish]

Muck Dodge said:

£3300 as opposed to more than £6000+ for business use.

HOW MUCH??????

Knew kids insurance was a bit silly these days but wtf (I'm assuming he's not driving around in a lambo)