Business Insurance
Discussion
SD&P inc commuting to a single place of work.
If you use your own car to travel to different sites, then you need business insurance.
But - What if I start work at home, then have to commute to the office?
I'm still only commuting to a single place of work. It's just that I'm getting paid for that time.
Should I have business insurance?
Driving to the single place of work doesn't benefit my 'business' other than me just getting to the office in the first place. I'm not conducting any 'business' activity on the journey.
In my case, would my car would effectively become a police vehicle, because that's my 'business'??
If you use your own car to travel to different sites, then you need business insurance.
But - What if I start work at home, then have to commute to the office?
I'm still only commuting to a single place of work. It's just that I'm getting paid for that time.
Should I have business insurance?
Driving to the single place of work doesn't benefit my 'business' other than me just getting to the office in the first place. I'm not conducting any 'business' activity on the journey.
In my case, would my car would effectively become a police vehicle, because that's my 'business'??
If I understand it correctly class 1 business allows you to travel to multiple places (ie different offices, or between offices for example), but doesn't cover for transporting goods and selling etc
Whenever I have asked for it to be added to a policy it hasn't resulted in an increase or has been so small its insignificant
Whenever I have asked for it to be added to a policy it hasn't resulted in an increase or has been so small its insignificant
egomeister said:
If I understand it correctly class 1 business allows you to travel to multiple places (ie different offices, or between offices for example), but doesn't cover for transporting goods and selling etc
Whenever I have asked for it to be added to a policy it hasn't resulted in an increase or has been so small its insignificant
I haven't looked, but I think I can make a changes to my policy without paying an admin fee too.Whenever I have asked for it to be added to a policy it hasn't resulted in an increase or has been so small its insignificant
egomeister said:
If I understand it correctly class 1 business allows you to travel to multiple places (ie different offices, or between offices for example), but doesn't cover for transporting goods and selling etc
It can cover carrying of goods. Depends on the insurer. If you're a solicitor, your goods might be a whole load of files. I would expect you to be be able to go to different courts or offices with your files under class 1. As regards selling, usually class 1 would cover visiting a client or potential client to sell, but only on a pre arranged appointment. For example, an accountant with an appointment to visit he office of a potential new client to discuss what services they could offer, would with most insurers be class 1.
But driving around a business estate calling in ad hoc to see if anyone needed an accountant would be class 3.
I don't think my policy or certificate said anything about 'class 1' or 'class 3', it just said 'business use', and the premium reflected the nature of my business as stated in the proposal or discussed with the broker. They often ask about 'business miles per year' too.
My bike insurance used to say something about 'business use excluding food delivery'.
Read the words, and if it's not clear, pick up the phone.
If you WFH sometimes but have a desk in a single office, that's often 'normal commuting', partly perhaps because HMRC doesn't see it as 'business miles'.
My bike insurance used to say something about 'business use excluding food delivery'.
Read the words, and if it's not clear, pick up the phone.
If you WFH sometimes but have a desk in a single office, that's often 'normal commuting', partly perhaps because HMRC doesn't see it as 'business miles'.
Nibbles_bits said:
SD&P inc commuting to a single place of work.
If you use your own car to travel to different sites, then you need business insurance.
But - What if I start work at home, then have to commute to the office?
I'm still only commuting to a single place of work. It's just that I'm getting paid for that time.
Should I have business insurance?
Driving to the single place of work doesn't benefit my 'business' other than me just getting to the office in the first place. I'm not conducting any 'business' activity on the journey.
In my case, would my car would effectively become a police vehicle, because that's my 'business'??
Commuting covers journeys to your normal place of work (office A). If you start your work day at home and then travel to office A at lunchtime that is still commuting. If you travel to office B at any time, that requires business class 1.If you use your own car to travel to different sites, then you need business insurance.
But - What if I start work at home, then have to commute to the office?
I'm still only commuting to a single place of work. It's just that I'm getting paid for that time.
Should I have business insurance?
Driving to the single place of work doesn't benefit my 'business' other than me just getting to the office in the first place. I'm not conducting any 'business' activity on the journey.
In my case, would my car would effectively become a police vehicle, because that's my 'business'??
Nibbles_bits said:
SD&P inc commuting to a single place of work.
If you use your own car to travel to different sites, then you need business insurance.
FWIW, my policy (Ageas) does not say a single place of work or a normal place of work. It says to a regular place of work. If you use your own car to travel to different sites, then you need business insurance.
If I split my time evenly between, say, 3 different sites, then surely they’re ALL a regular place of work…
Edited by Oceanrower on Monday 24th February 12:04
MustangGT said:
Nibbles_bits said:
SD&P inc commuting to a single place of work.
If you use your own car to travel to different sites, then you need business insurance.
But - What if I start work at home, then have to commute to the office?
I'm still only commuting to a single place of work. It's just that I'm getting paid for that time.
Should I have business insurance?
Driving to the single place of work doesn't benefit my 'business' other than me just getting to the office in the first place. I'm not conducting any 'business' activity on the journey.
In my case, would my car would effectively become a police vehicle, because that's my 'business'??
Commuting covers journeys to your normal place of work (office A). If you start your work day at home and then travel to office A at lunchtime that is still commuting. If you travel to office B at any time, that requires business class 1.If you use your own car to travel to different sites, then you need business insurance.
But - What if I start work at home, then have to commute to the office?
I'm still only commuting to a single place of work. It's just that I'm getting paid for that time.
Should I have business insurance?
Driving to the single place of work doesn't benefit my 'business' other than me just getting to the office in the first place. I'm not conducting any 'business' activity on the journey.
In my case, would my car would effectively become a police vehicle, because that's my 'business'??
There's talk about laptops/kit not being insured if you have an accident, similar to the Solicitor comparison above.
Oceanrower said:
FWIW, my policy (Ageas) does not say a single place of work or a normal place of work. It says to a regular place of work.
If I split my time evenly between, say, 3 different sites, then surely they’re ALL a regular place of work…
A is singular.If I split my time evenly between, say, 3 different sites, then surely they’re ALL a regular place of work…
Edited by Oceanrower on Monday 24th February 12:04
MustangGT said:
Oceanrower said:
FWIW, my policy (Ageas) does not say a single place of work or a normal place of work. It says to a regular place of work.
If I split my time evenly between, say, 3 different sites, then surely they’re ALL a regular place of work…
A is singular.If I split my time evenly between, say, 3 different sites, then surely they’re ALL a regular place of work…
Edited by Oceanrower on Monday 24th February 12:04
On Tuesday I’m going to a place of work different to Monday.
On Wednesday I’m going to a place etc. etc.
Oceanrower said:
So, on Monday I’m going to a place of work.
On Tuesday I’m going to a place of work different to Monday.
On Wednesday I’m going to a place etc. etc.
So in consultation with the broker on one of my cars, they said that yes 2 regular places of work would be fine under "commuting" cover on that policy. I still went for business cover as there was the slight possibility of going to visit a customer or two. But commuting covered two regular places of work.On Tuesday I’m going to a place of work different to Monday.
On Wednesday I’m going to a place etc. etc.
Oceanrower said:
MustangGT said:
Oceanrower said:
FWIW, my policy (Ageas) does not say a single place of work or a normal place of work. It says to a regular place of work.
If I split my time evenly between, say, 3 different sites, then surely they’re ALL a regular place of work…
A is singular.If I split my time evenly between, say, 3 different sites, then surely they’re ALL a regular place of work…
Edited by Oceanrower on Monday 24th February 12:04
On Tuesday I’m going to a place of work different to Monday.
On Wednesday I’m going to a place etc. etc.
When I renewed my policy in December I played around with business cover as I sometimes go to other sites for training and whilst work is happy to pay for a hire car, it sometimes easier to use your own car and claim mileage. I initially selected 2,500 business miles and that had no effect on the premium, changed it to 5,000 business miles and still no effect, 7,500 business miles added c£22 so I left it at 5,000.
I have always asked what is covered under class 1 business use, as when going to a client site, I often carry spares (I'm a Computer Engineer) and on occasions, transport client's servers, etc. if it needs workshop intervention.
In nearly 30 years, I've only once been told I need an add on over and above class 1 to cover this. Admittedly, in some cases it was a case of you can carry these things, but if they get damaged in an accident we won't pay for them, but we will cover your third party liability and your car repairs.
My ex wife also used to have class 1 (Not sure if she still does) as she was a children's nursery manager, and this covered her for taking children to hospital or home if they were unwell. I guess modern safeguarding regulations would stop this now anyway.
In nearly 30 years, I've only once been told I need an add on over and above class 1 to cover this. Admittedly, in some cases it was a case of you can carry these things, but if they get damaged in an accident we won't pay for them, but we will cover your third party liability and your car repairs.
My ex wife also used to have class 1 (Not sure if she still does) as she was a children's nursery manager, and this covered her for taking children to hospital or home if they were unwell. I guess modern safeguarding regulations would stop this now anyway.
TwigtheWonderkid said:
Oceanrower said:
MustangGT said:
Oceanrower said:
FWIW, my policy (Ageas) does not say a single place of work or a normal place of work. It says to a regular place of work.
If I split my time evenly between, say, 3 different sites, then surely they’re ALL a regular place of work…
A is singular.If I split my time evenly between, say, 3 different sites, then surely they’re ALL a regular place of work…
Edited by Oceanrower on Monday 24th February 12:04
On Tuesday I’m going to a place of work different to Monday.
On Wednesday I’m going to a place etc. etc.
AndyNetwork said:
I have always asked what is covered under class 1 business use, as when going to a client site, I often carry spares (I'm a Computer Engineer) and on occasions, transport client's servers, etc. if it needs workshop intervention.
In nearly 30 years, I've only once been told I need an add on over and above class 1 to cover this. Admittedly, in some cases it was a case of you can carry these things, but if they get damaged in an accident we won't pay for them, but we will cover your third party liability and your car repairs.
My ex wife also used to have class 1 (Not sure if she still does) as she was a children's nursery manager, and this covered her for taking children to hospital or home if they were unwell. I guess modern safeguarding regulations would stop this now anyway.
Depending on your insurance provider you may need 'goods in transit' cover, but that may be covered on your employers insurance instead.In nearly 30 years, I've only once been told I need an add on over and above class 1 to cover this. Admittedly, in some cases it was a case of you can carry these things, but if they get damaged in an accident we won't pay for them, but we will cover your third party liability and your car repairs.
My ex wife also used to have class 1 (Not sure if she still does) as she was a children's nursery manager, and this covered her for taking children to hospital or home if they were unwell. I guess modern safeguarding regulations would stop this now anyway.
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