Car insurance - commuting to different sites
Car insurance - commuting to different sites
Author
Discussion

Rockatansky

Original Poster:

1,791 posts

203 months

Saturday 14th June
quotequote all
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

8,849 posts

278 months

Saturday 14th June
quotequote all
I'm in that position. I have business (class 1??) cover to address it.

Rockatansky

Original Poster:

1,791 posts

203 months

Saturday 14th June
quotequote all
JulianHJ said:
I'm in that position. I have business (class 1??) cover to address it.
Thanks thumbup

Davie

5,597 posts

231 months

Saturday 14th June
quotequote all
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

4,668 posts

119 months

Saturday 14th June
quotequote all
Rockatansky said:
JulianHJ said:
I'm in that position. I have business (class 1??) cover to address it.
Thanks thumbup
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

6,568 posts

229 months

Saturday 14th June
quotequote all
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

3,547 posts

239 months

Saturday 14th June
quotequote all
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

5,959 posts

232 months

Saturday 14th June
quotequote all
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

Original Poster:

1,791 posts

203 months

Saturday 14th June
quotequote all
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 thumbup

Pica-Pica

15,304 posts

100 months

Saturday 14th June
quotequote all
MB140 said:
Rockatansky said:
JulianHJ said:
I'm in that position. I have business (class 1??) cover to address it.
Thanks thumbup
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

159 posts

7 months

Saturday 14th June
quotequote all
Pica-Pica said:
Surely, RAF work is a bit different to plain business?
Yes, I just had to drop something off over Tehran....

CloudStuff

4,003 posts

120 months

Saturday 14th June
quotequote all
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

37,518 posts

135 months

Saturday 14th June
quotequote all
Someone posted recently that their insurer (well known name, might have been Admiral) had commuting to one place per day.

Rockatansky

Original Poster:

1,791 posts

203 months

Saturday 14th June
quotequote all
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

2,024 posts

101 months

Saturday 14th June
quotequote all
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

6,328 posts

136 months

Saturday 14th June
quotequote all
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

27,166 posts

143 months

Saturday 14th June
quotequote all
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. redface