Business Use insurance for named driver
Discussion
AndyNetwork said:
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.
If travel was always to the same nursing home then why wouldn't that be commuting, rather than business travel?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.
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.
As detailed in the other recent thread your main problem may well be finding an insurer who will cover a delivery driver. You might find the pool is quite small.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.
Sheepshanks said:
AndyNetwork said:
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.
If travel was always to the same nursing home then why wouldn't that be commuting, rather than business travel?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.
She was also getting paid a mileage allowance for this, and therefore as far as the insurance was concerned she needed business use, which they would not allow, as she was not my spouse.
I also suspect if it was not classed as work in an essential service, then she would have fallen foul of the Covid Bubble legislation.
Mr Pointy said:
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.
As detailed in the other recent thread your main problem may well be finding an insurer who will cover a delivery driver. You might find the pool is quite small.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.
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)?
My wifes policy covers her (as PH), plus all named drivers (me + her parents) for SDP, commuting and business use. This is with Hastings Direct. They give the business use option for just PH, just spouse, PH & spouse, one named driver only, all drivers etcShe 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)?
Plus, my driving tuition policy covers both my wife and I for SDP and business use also. And that's quite a specialist policy
I know Admiral offer hire and reward insurance. On their website it says "This covers anyone using their car to deliver third party goods, making it ideal for couriers or delivery drivers.". Now, whether this means anyone on the policy or anyone looking to insure their car for SDP+H/R I don't know.
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