Insurance: What does SD&P cover?
Discussion
Wonder if someone can help me here. I'm currently covered fully comp on both my Porker and MG. Currently I commute to MK from where I live, so no issue there. Until now, if I've had business travel to do, it tended to be continental, so I flew. However I'm now moving onto a project which involves our "sister" site in Southampton. Does my insurance cover me to drive there on the odd occasion I might have a meeting, or do I really need business cover?
i'm pretty sure most of my insurances have said SD&P,plus to and from a REGULAR place of work.
so i suppose if you left from home, and you had a regular,once a month meeting at the other office, you should be ok, but if you leaving your place of work, and then going there....i'm not sure you'd be covered.
why not get your policy out and read the small print, or failing that give your insurance company a call.
so i suppose if you left from home, and you had a regular,once a month meeting at the other office, you should be ok, but if you leaving your place of work, and then going there....i'm not sure you'd be covered.
why not get your policy out and read the small print, or failing that give your insurance company a call.
sheepy said:
Wonder if someone can help me here. I'm currently covered fully comp on both my Porker and MG. Currently I commute to MK from where I live, so no issue there. Until now, if I've had business travel to do, it tended to be continental, so I flew. However I'm now moving onto a project which involves our "sister" site in Southampton. Does my insurance cover me to drive there on the odd occasion I might have a meeting, or do I really need business cover?
Call your insurer and ask - much easier to be upfront with your insurers than be caught out and not be covered when you need it.
Steve.
Some policies which include commuting (as opposed to SD&P) also include 'Class 1 business use' as standard. This is travel to and from other places of work for pre-arranged appointments, which would be plenty for what you need.
I've not had to pay extra for that in the last 3/4 years.
I've not had to pay extra for that in the last 3/4 years.
sheepy said:
Wonder if someone can help me here. I'm currently covered fully comp on both my Porker and MG. Currently I commute to MK from where I live, so no issue there. Until now, if I've had business travel to do, it tended to be continental, so I flew. However I'm now moving onto a project which involves our "sister" site in Southampton. Does my insurance cover me to drive there on the odd occasion I might have a meeting, or do I really need business cover?
Your insurance policy will not cover you for this, as has already been said, talk to your insurers/broker about adding Class 1 (quite a few won't actually charge anything extra for it)..
HTH,
slinky
Business cover is required for anything other than usual place of work.
Normally adds up to about £25 to the insurance cost on all the times I have required it.
My employer now insists I have to use their arranged rental cars for any business trip, so at least I know that I don't have to cough up extra for the insurance anymore.
Normally adds up to about £25 to the insurance cost on all the times I have required it.
My employer now insists I have to use their arranged rental cars for any business trip, so at least I know that I don't have to cough up extra for the insurance anymore.
esselte said:
sheepy said:
Renewed this morning with class-1 business use. Added £100 to the cost, but they are still £200 cheaper than anyone else!
Thanks to all.
Thanks to all.
Will you company reimburse you for this? It's worth a try..
toni896 said:
I'm curious also, as my direct line policy just says, the insured and spouse in their line of business.
Mine said something similar as well as "Social, Domestic and Pleasure" which when I asked them this morning was explained as "to and from a permanent place of work" (which I already knew). Going anywhere else for a work-related reason even if the distance travelled is shorter, would be outside of that cover (or so they told me). Worth checking as the last thing you'd want after an accident is a prosecution for no insurance!
tigger1 said:
Seems a lot more money - £100?
Just had class 2 put on a car at home (to cover all named drivers for business use in the Megane, wouldn't use the Ford Shitbox for "business" travel) and it was only about £15 more.
Mine is an '81 Porsche 928S on a classic policy with Footman James. Was £375 fully-comp, now £480 with class-1. This policy does include european breakdown cover, and as the couple of brokers I talked to this morning found, its about £200 cheaper than anyone else! Just had class 2 put on a car at home (to cover all named drivers for business use in the Megane, wouldn't use the Ford Shitbox for "business" travel) and it was only about £15 more.
Why is driving on business any more of a risk than driving for pleasure?
In fact I reckon business users are safer than the person that only drives to the supermarket.
The additional mileage (and associated risk) will be covered by the max annual mileage anyway.
Are they just screwing you more?
In fact I reckon business users are safer than the person that only drives to the supermarket.
The additional mileage (and associated risk) will be covered by the max annual mileage anyway.
Are they just screwing you more?
any excuse for an extra charge....... mattyboy101 said:
Why is driving on business any more of a risk than driving for pleasure?
For starters risk of theft from vehicle is likely to be much higher.
I have often carried electronic equipment that is more than the value of my car.
Business users are more likely to leave laptop computers in their car.
The more time you spend on the road instead of in a nice safe warm office also adds to the increased risk of accidents.
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