Insurance Miles for Work
Discussion
I use my own car for delivery work so most of my miles are covered by my employer's insurance during which time my insurance wouldn't even be valid as I'm using the car for commercial work. I've never had an insurance provider check the mileage covered but I assume I only need to declare my personal milage?
fooby said:
I use my own car for delivery work so most of my miles are covered by my employer's insurance during which time my insurance wouldn't even be valid as I'm using the car for commercial work. I've never had an insurance provider check the mileage covered but I assume I only need to declare my personal milage?
I have a feeling you're actually not insured when delivering for your employer who should ensure your own policy covers you for hire and reward. I've never come across any company insurance that covers employees in their own cars. My employer covers all the drivers although only third party which is why I don't have commercial insurance myself and only use a £500 banger for work. Pizza delivery by the way. Only thing I'm wondering is when my personal insurance asks how many miles I do a year, does that mean ALL miles, or just my personal miles that they're covering me for?
drdel said:
^^^ but only those owned or hired to your company, not any privately owned cars.
If I was the OP I'd be very suspicious.
It's covered under Occasional Business Use insurance. Very common for large fast food chains and I'm pretty sure Amazon Flex uses a similar system. It's usually the deliveroo drivers and those working for tight indie fast food places that are driving around unknowingly uninsured. Looks like I should be fine, just worried about getting hit with a fat bill because my declared personal milage is far less than my total milage. A colleague was in an accident a few weeks ago and it was all sorted internally pretty quickly. Definitely not dodgey.If I was the OP I'd be very suspicious.
That does raise another question though. If you are involved in a claim whilst insured under OBU, would you lose your NCD?
Edited by fooby on Saturday 22 December 15:58
fooby said:
That does raise another question though. If you are involved in a claim whilst insured under OBU, would you lose your NCD?
NCD only relates to the Policy being claimed from itself.Any collisions however count for all policies.
ie A claim on a works policy as a result of a collision under it only affects (as far as NCD is concerned) the NCD on that policy.
That same collision however should be declared to your insurer for assessment of your risk profile & subsequent premium for a policy relating to your personal use vehicle, but it doesn't affect the NCD for that personal policy as no claim as been made under it.
fooby said:
drdel said:
^^^ but only those owned or hired to your company, not any privately owned cars.
If I was the OP I'd be very suspicious.
It's covered under Occasional Business Use insurance. Very common for large fast food chains If I was the OP I'd be very suspicious.
But using your car night after night to deliver pizzas is not OBU. Every night is not occasional. The pizza delivery firm might have a policy to cover employees whilst driving their own car for food delivery, but it's not an OBU policy.
Also, you must inform your own insurers of this anyway. Firstly, because you have to disclose your occupation anyway, regardless of how you use your car, and secondly because they might not want to cover you, even for pleasure use. There's a risk to them that if your employer doesn't have the right insurance after all, they will have to pick up any tp claim under the RTA insurance requirements.
You definitely need to get from your employer a copy of the certificate of insurance that they say is covering you. And then call their insurers directly, given them the policy number and ask them what cover they think they are providing! Only then will you be sure all is ok.
Sheepshanks said:
Drumroll said:
Still not convinced about the insurance, have you actually seen a copy of the policy? do you have a copy/easy access to this if you happened to be stopped by the BiB?
It;s quite normal. Our fleet policy covers any vehicle being used for the purposes of the business.Any driving I do on behalf of the business in my own vehicle is covered by the company insurance. So I can drive to any of our sites, or go to a training course and I don't need to worry about having my own business insurance.
As a rule I just book myself a hire car when I'm driving on behalf of the business - their insurance covers those as well, but if an emergency pops up I know I can drive to another site and be all covered.
Stoofa said:
Sheepshanks said:
Drumroll said:
Still not convinced about the insurance, have you actually seen a copy of the policy? do you have a copy/easy access to this if you happened to be stopped by the BiB?
It;s quite normal. Our fleet policy covers any vehicle being used for the purposes of the business.Any driving I do on behalf of the business in my own vehicle is covered by the company insurance. So I can drive to any of our sites, or go to a training course and I don't need to worry about having my own business insurance.
As a rule I just book myself a hire car when I'm driving on behalf of the business - their insurance covers those as well, but if an emergency pops up I know I can drive to another site and be all covered.
Looking through this whole thread, nothing I have read suggests that with the type of work you are doing you would be covered by your insurance or your employers.
I would be asking to have a look at the policy if you have not already seen it, if there is some reluctance to do this then I think that speaks volumes. It is not unknown for unscrupulous delivery companies to convince their drivers they are covered when clearly that's not the case.
I would be asking to have a look at the policy if you have not already seen it, if there is some reluctance to do this then I think that speaks volumes. It is not unknown for unscrupulous delivery companies to convince their drivers they are covered when clearly that's not the case.
Stoofa said:
Sheepshanks said:
Drumroll said:
Still not convinced about the insurance, have you actually seen a copy of the policy? do you have a copy/easy access to this if you happened to be stopped by the BiB?
It;s quite normal. Our fleet policy covers any vehicle being used for the purposes of the business.Any driving I do on behalf of the business in my own vehicle is covered by the company insurance. So I can drive to any of our sites, or go to a training course and I don't need to worry about having my own business insurance.
As a rule I just book myself a hire car when I'm driving on behalf of the business - their insurance covers those as well, but if an emergency pops up I know I can drive to another site and be all covered.
However, at the HMRC 45p/mile rate I only use my own car when the embuggerance of hiring a car would be greater than the loss of money from using my own... I find that a 5.0 V8 with a noisy exhaust is a talking point so arguably it could be a contributor to our EBIT figures. Finance doesn't agree though
fooby said:
To be honest after reading this thread I think I'm just going to cough up the extra cash and get my own business insurance sorted. Doesn't sound worth the risk or hassle if something was to happen. At least I'll be able to use it for extra work elsewhere if I like.
Sounds sensible. Know the cards in your hand, rather than guessing what cards the others hold.fooby said:
To be honest after reading this thread I think I'm just going to cough up the extra cash and get my own business insurance sorted. Doesn't sound worth the risk or hassle if something was to happen. At least I'll be able to use it for extra work elsewhere if I like.
For Pizza delivery it will be an effing fortune. One of my siblings runs a takeaway and has two pool cars that are used for deliveries. The excess is something chronic as are the premiums.It is quite possible for the company policy to cover employees use of own cars.
I used to manage the insurance for a smallish (120 staff) engineering consultancy. We had three or four clients in the same town and staff liked to visit them on the way in or the way home.
The motor policy covered one company car (the MDs) and hired cars, the insurer also agreed to cover employees own cars for short distance business use (iirc less than 25 miles/trip) subject to them having my permission.
I used to manage the insurance for a smallish (120 staff) engineering consultancy. We had three or four clients in the same town and staff liked to visit them on the way in or the way home.
The motor policy covered one company car (the MDs) and hired cars, the insurer also agreed to cover employees own cars for short distance business use (iirc less than 25 miles/trip) subject to them having my permission.
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