I’ve always had business insurance for my car because, until this job, either I’ve never had a permanent place of employment or I’ve always driven to attend courses.
Talking to someone recently, they reckon that putting business insurance on your private car can actually lower your premium. Anyone have any experience of this? I was going to have a play on these comparison sites, but I don’t know what information they retain.
Can’t see it lowering your quote tbh, insurance use any excuse to charge you a higher premium these days.
I’ve notice lately insurance companies seem to be more picky these days on the criteria for the business they want and to hike up premiums to get rid of customers they don’t want.
Captain Caveman 76:
I’ve always had business insurance for my car because, until this job, either I’ve never had a permanent place of employment or I’ve always driven to attend courses.Talking to someone recently, they reckon that putting business insurance on your private car can actually lower your premium. Anyone have any experience of this? I was going to have a play on these comparison sites, but I don’t know what information they retain.
Play on the quote sites as a new customer called ?Joe Bloggs?
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Depends really.
I have a car, insured private social domestic and pleasure. Cost about £350 per year.
I also have a work SUV on business insurance for my business. Costs about £200 per year.
Heres the kicker. If I take the SUV to the shops, it’s not insured. Same if I go to work in the car. On paper for a police spot check they are both technically insured but if you are involved in an accident/stolen, the insurance company may have some difficult questions about why your car was parked in Tescos or some other non business realeated location.
As has been mentioned many times before, insurance companies will try their level best to get out of paying up and to be fair, if someone is making a false declaration about business use to save premimum costs, who could blame them.
AndieHyde:
Depends really.
I have a car, insured private social domestic and pleasure. Cost about £350 per year.
I also have a work SUV on business insurance for my business. Costs about £200 per year.Heres the kicker. If I take the SUV to the shops, it’s not insured. Same if I go to work in the car. On paper for a police spot check they are both technically insured but if you are involved in an accident/stolen, the insurance company may have some difficult questions about why your car was parked in Tescos or some other non business realeated location.
As has been mentioned many times before, insurance companies will try their level best to get out of paying up and to be fair, if someone is making a false declaration about business use to save premimum costs, who could blame them.
I remember reading about a month ago maybe some fella got done for driving with out insurance. Not sure what outcome was. But he was on his way to work got stopped and found he was uninsured. He was insured to drive his car but because he just put down social and pleasure online and didn’t include comuting he wasn’t covered to drive to work. Yet he was covered to go to asda do his shopping.
Captain Caveman 76:
I’ve always had business insurance for my car because, until this job, either I’ve never had a permanent place of employment or I’ve always driven to attend courses.Talking to someone recently, they reckon that putting business insurance on your private car can actually lower your premium. Anyone have any experience of this? I was going to have a play on these comparison sites, but I don’t know what information they retain.
But why need for lorry driver business insurance if he to different job location and drive company truck. ??insurance needed if drivers do so.e business by own car (earn money for this)but drive to work and back it is not business.
Direct Line include Class 1 Business Use as standard on all their policies. This includes commuting to multiple locations which is something I used to need.
Andrejs:
Captain Caveman 76:
I’ve always had business insurance for my car because, until this job, either I’ve never had a permanent place of employment or I’ve always driven to attend courses.Talking to someone recently, they reckon that putting business insurance on your private car can actually lower your premium. Anyone have any experience of this? I was going to have a play on these comparison sites, but I don’t know what information they retain.
But why need for lorry driver business insurance if he to different job location and drive company truck. ??insurance needed if drivers do so.e business by own car (earn money for this)but drive to work and back it is not business.
No. Standard commuting policy is only to REGULAR place of work. If you’re agency or working from multiple locations a standard policy will not cover you.
AndieHyde:
Depends really.
I have a car, insured private social domestic and pleasure. Cost about £350 per year.
I also have a work SUV on business insurance for my business. Costs about £200 per year.Heres the kicker. If I take the SUV to the shops, it’s not insured. Same if I go to work in the car. On paper for a police spot check they are both technically insured but if you are involved in an accident/stolen, the insurance company may have some difficult questions about why your car was parked in Tescos or some other non business realeated location.
As has been mentioned many times before, insurance companies will try their level best to get out of paying up and to be fair, if someone is making a false declaration about business use to save premimum costs, who could blame them.
I am really surprised by that to be honest as I have always thought it to be other way round. But maybe your car is a brand new maserati and your SUV a gutless old banger ? 
But you did say “depends really” in your first line.
manski:
AndieHyde:
Depends really.
I have a car, insured private social domestic and pleasure. Cost about £350 per year.
I also have a work SUV on business insurance for my business. Costs about £200 per year.Heres the kicker. If I take the SUV to the shops, it’s not insured. Same if I go to work in the car. On paper for a police spot check they are both technically insured but if you are involved in an accident/stolen, the insurance company may have some difficult questions about why your car was parked in Tescos or some other non business realeated location.
As has been mentioned many times before, insurance companies will try their level best to get out of paying up and to be fair, if someone is making a false declaration about business use to save premimum costs, who could blame them.
I am really surprised by that to be honest as I have always thought it to be other way round. But maybe your car is a brand new maserati and your SUV a gutless old banger ?
Car is a 2009 Mercedes CLK 350, SUV is a 2005 Mercedes ML 350.
Value wise both worth around 6 grand and do about the same mileage.
I know which one is going to cause the most damage in an accident but is cheaper to insure.
The acid test for any insurance is if/when you make a claim against it and all those papers with the little writing behind it means “be careful”.
Friend of mines daughter put her Mini in to a 6 month old Toyota Hi Lux a couple of months ago. Owing to a licencing technicality, insurance wont pay out. She’s going to be working for a long time to pay that mistake off.
AndieHyde:
Owing to a licencing technicality,
That sounds like the shortened version of a long story 
I think we can agree then that the workings of insurance companies are pretty well unfathomable
I always used to have, for years with the same company, 3rd Party Fire & Theft on our vehicles, (2 trucks, 4x4, 3 vans / cars), because I knew I would never get the value back anyway under a comrehensive policy and can’t be bothered with the hassle either. Comes up for renewal and they tell me comprehensive is now cheaper that tpf&T. So I ask how does that work then, surely more risk in covering own vehicle damage as well means more premium ? No he says it’s because people that have only TPF&T have more accidents. But I have only ever made made one small claim in 25 years 
Captain Caveman 76:
No. Standard commuting policy is only to REGULAR place of work. If you’re agency or working from multiple locations a standard policy will not cover you.
I’m pretty sure my policy says something like “commuting to or from a permanent place of work”.
What this means is that it is a commercial workplace (rather than a temporary site, like a building site), not that it is your own habitual place of work.
Her who must me obeyed has a lease car insured for her work with the NHS. Her son is a home carer through an agency and has his own car insured for business use, he gets paid to take his clients to football and wiping their bum. He is insured to drive mums car, his sisters car and his own car. He cannot take his client to football in anything but his own car. But I can; I drive his mums car, sisters car, his car and my own car and even take the lad and his clientele to football in any of them.
Weird.
Rjan:
Captain Caveman 76:
No. Standard commuting policy is only to REGULAR place of work. If you’re agency or working from multiple locations a standard policy will not cover you.I’m pretty sure my policy says something like “commuting to or from a permanent place of work”.
What this means is that it is a commercial workplace (rather than a temporary site, like a building site), not that it is your own habitual place of work.
Sadly I’m relying on my memory which isn’t as good as I like to think it is. When I first took my business policy out, it was because I’d travel to different sites to work (much like agency drivers do) and my policy said “regular place of work”. Having been stung by specifics on insurance before, I’m bit of a stickler for making sure it’s right. I actually called the insurance company to check (this was before the days of comparison websites) and they told me I needed business cover.
That last bit is definitely right, but I can’t be 100% sure on the original wording. It was after all over 10 years ago! 
Edit:
I gave up trying to remember and asked Google. Found this,
confused.com/car-insurance/ … -insurance
“Business car insurance can cover a wide range of uses, such as travelling between different work locations, visiting customers or driving around other employees. Anything, in fact, that’s on behalf of the company.”
That definitely applied to my former job, but I’m not sure if it would cover someone who works for an agency.
Captain Caveman 76:
Rjan:
Captain Caveman 76:
No. Standard commuting policy is only to REGULAR place of work. If you’re agency or working from multiple locations a standard policy will not cover you.I’m pretty sure my policy says something like “commuting to or from a permanent place of work”.
What this means is that it is a commercial workplace (rather than a temporary site, like a building site), not that it is your own habitual place of work.
Sadly I’m relying on my memory which isn’t as good as I like to think it is. When I first took my business policy out, it was because I’d travel to different sites to work (much like agency drivers do) and my policy said “regular place of work”. Having been stung by specifics on insurance before, I’m bit of a stickler for making sure it’s right. I actually called the insurance company to check (this was before the days of comparison websites) and they told me I needed business cover.
That last bit is definitely right, but I can’t be 100% sure on the original wording. It was after all over 10 years ago!
Edit:
I gave up trying to remember and asked Google. Found this,
confused.com/car-insurance/ … -insurance“Business car insurance can cover a wide range of uses, such as travelling between different work locations, visiting customers or driving around other employees. Anything, in fact, that’s on behalf of the company.”
That definitely applied to my former job, but I’m not sure if it would cover someone who works for an agency.
My ex worked in insurance so I have a bit of knowledge, though it is old. I can’t comment on the agency aspect but cavey is right about 1 place of work.
I used to work in a shop and was covered to drive to that shop. However going anywhere else for courses, cover etc required business use due to it not being my regular place of work.
A good indicator I was given is that if I could claim mileage it was a business use
Our work insurance covers you if you’re driving anywhere in your private car for work except the initial regular commute to and from work. So eg drive to parts counter to pick up a part you’d be covered.