My daughter works for the Coroners office, sometimes she has to go to other departments not too far away, but is asked to fill her car with boxes of papers…so i told her that its technically illegal, as its classed as business, so she mentioned it to her superiors, and told her that the boxes actually block her view from the interior mirror…no problem for me or you…but she is a newly passed driver ( almost forced to take lessons ,take a test and get herself a car. Now her company told her yesterday that she must take out Business Insurance so as to move stuff from office to office…i told her in no uncertain terms on where she should tell them to go…theyre worse than planners as a newly passed i would imagine that business insurance for a young ( 25 ) newly passed driver is going to be expensive, and there are no repayments in place to help her pay for the added expense…I wonder what you guys think of this.!!
Ps, reminds me of the times when transport would tell me to put these few extra boxes in the cab…on the bed…for transportation when the trailer is full to the brim…and i have told them to F.O.and use a man and a van.
Business insurance is usually very cheap, if they charge at all. Also she can claim mileage from her employer (£0.40/mile for first 10,000 miles). She can refuse but why rock the boat as she’ll likely end up better off?
There was Police program on TV the other week,where a Pizza delivery guy was stopped in his car for whatever reason,he was not only done for a vehicle offence but also for using his motor with the incorrect Insurance ie Social & Domestic and NOT business.
If the Coroners office is not coughing up for a van or the cost of any extra Insurance premiums then your Daughter should say NO after all its HER car and her that gets the summons if she ever stopped for it.
Something similar happening at my work at the moment.
To force you to take business insurance you are then classed as a ‘business user’ which means a large wage increase.
Total stalemate at my place at moment due to this.
lolipop:
There was Police program on TV the other week,where a Pizza delivery guy was stopped in his car for whatever reason,he was not only done for a vehicle offence but also for using his motor with the incorrect Insurance ie Social & Domestic and NOT business.
If the Coroners office is not coughing up for a van or the cost of any extra Insurance premiums then your Daughter should say NO after all its HER car and her that gets the summons if she ever stopped for it.
Which if the lad has half a brain he’d beat easily at court. All the law requires is that you have third party cover. And an insurance company can only withdraw your cover for nondisclosure if they would never have provided cover in the first place. They can sue you for the difference in premium and even the claim - but they cannot provide third party cover**.
The insurance company would not like it. And they might cancel your policy. But if pushed with a threat of the ombudsman they’d confirm this in writing and the court would have to find you not guilty.
Just imagine a world where young kids could earn an honest bit of money with their scooter, without being penalised. They could learn a bit of work ethic and the value of cash as well. Instead we try and penalise them at every turn. I think it’s disgracful that the police have the time to go after kids over commercial contractual terms.
**Yeah I know if it’s a very small specialised insurer they may get out of it by showing they’d never have offered cover. But that’s vanishingly rare for any motor your average pizza delivery driver will be cruising in.
Simple answer would be - not happening unless they pay the extra or provide a car.
Her car isn’t owned by the “business” so its used for commuting to a single place of work under most insurance. If they want to move boxes, they should provide a van or pool car.
She might even be in slightly iffy travelling to different offices for work if she has the single place of work on insurance. Officially that requires business insurance (looks at agency drivers ).
Would also recommend she checks its got “and commuting” on insurance as some cheaper ones don’t thus you’re not even insured to go to work.
Being really pedantic, she could also insist on GIT insurance (goods in transit) which would offer additional cover for the value of anything transported. Again some business cover will offer this if it’s just paperwork etc.
The Coroners office probably wants your daughter to make the arrangements because they have an age and experience clause on their insurance. Never, but never, use your own vehicle for the benefit of your employer, however attractive any allowance might seem. A traffic accident or vehicle breakdown will be left entirely to you to sort out and to pay for in your own time. Let the employer provide a vehicle, then all the agravation is then down to them while you sit there twiddling your thumbs while still on the clock. I one of my early jobs as a youngster I was expected to collect the week’s wages from the Bank and pay in all the cash receipts using my own car. Fortunately the union rep heard what was happening and put a stop to it pronto; being so young I just hadn’t thought of the implications.
matto75:
Being really pedantic, she could also insist on GIT insurance (goods in transit) which would offer additional cover for the value of anything transported. Again some business cover will offer this if it’s just paperwork etc.
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I can’t think of a better way for her to make a fool out of herself.
Reminds me of the full time (not agency) supermarket driver claiming transport were asking him to run bent. Because they asked him not to use POA. He thought leaving it on other work when he was sitting in the cab at a supplier drinking coffee was not properly recording his work. And therefore he was breaking the law.
Following on from the above two posts, theres also the wear and tear on the car to consider plus extra mileage adds to breakdown potential.
I used to use mine for travelling to work sites (non driving job) and in 2 years it cost me at least £300 just in breakdowns plus general wear and contributed to £500 bill for new suspension due to doubling my annual mileage. All adds up.
They might be grumpy, but if they state contract says travelling between sites or extra duties, she should ask HR if the contract can state “must break the law to do so”, ie: drive without valid insurance. Should shut them up.
They employed her knowing her age etc so if their insurance costs more to cover her on pool cars, thats their problem.
truckyboy:
My daughter works for the Coroners office, sometimes she has to go to other departments not too far away, but is asked to fill her car with boxes of papers…so i told her that its technically illegal,
You are not necessarily correct. There is almost certainly a clause in her employment contract that covers other places of work.
Rather than you risking her the job, she should first consult with her line manager before raising any concerns (not by means of a grievance) with her HR department.
Assuming she isn’t a cleaner & is looking at a career, then hopefully she’s already chose to ignore you & picked up on the correct approach by chatting to colleagues.
When she first applied for the position, she is an admin but her real title is Court usher, which is a farce as she only does work in an office, not a court, and she is involved with typing out the coroners reports, however, when she joined she didnt have a licence, they then asked her to take lessons, and get herself a car…which she did. She does have to travel in rotation to work in another office which is reasonably close by, and one time they asked her to transport some boxes, which filled the back seat and obscured her vision. I told her, that without proper insurance she is breaking the law, so she mentioned this to her line manager, who in turn told her to get business insurance, and show them the insurance certificate…it seems other girls in the office has this ( but their parents pay for the insurance for them ) I think its a bloody liberty, in after employing her, then tells her to get a licence and a car for their purpose, and i told her to get the insurance or tell em to employ a van and a man whenever they have stuff to move. At the least they should offer some recompense, as having a far is an added bonus, but costs the same per month as getting the bus to work, all in all weak management, or ones without a brain, as they can ask those with the insurance to do the trips to the other office.
I have just done the insurance for my “step son” he is a home carer and his job involves travelling between his clients, he gets them out of bed, cooks their lunch, puts them to bed and occasionally takes them shopping or collects prescriptions, it cost him an extra £27 a year
“Business use” is usually only a token payment more on normal motor insurance…my insurer said that ‘business mileage’ (ie going from one office to another, no sales repping) is less of a risk than leisure use for young people…leisure use often being packing the car full of mates and tearing of around a circuit of pubs and parties.
Hire and reward…ie delivering pizzas etc is different…because the more deliveries you make the more money you make…so the faster you go and more corners you cut the more money you make.
So I wouldn’t have thought the lass in question will have to pay too much more, and the 45p a mile tax free should add up.
Does she have to do it…all depends on the terms on which she was engaged. It’s normal in the legal profession to have to travel from office to court etc.
GasGas:
“Business use” is usually only a token payment more on normal motor insurance…my insurer said that ‘business mileage’ (ie going from one office to another, no sales repping) is less of a risk than leisure use for young people…leisure use often being packing the car full of mates and tearing off around a circuit of pubs and parties.
Hire and reward…ie delivering pizzas etc is different…because the more deliveries you make the more money you make…so the faster you go and more corners you cut the more money you make.
So I wouldn’t have thought the lass in question will have to pay too much more, and the 45p a mile tax free should add up.
Does she have to do it…all depends on the terms on which she was engaged. It’s normal in the legal profession to have to travel from office to court etc.
An awful lot more lorry drivers should have class 1 business use on their car policies too.
In the small print of most insurance policies, commuting is to one place of work, anything more requires business use.
It’s not that expensive to add, but the consequences of not doing so will be.
im suprised the coroners office are pennypinching on this. Almost makes me wonder if the head guyat that office has found a way to cream off money supposedly allocated for the vehicles use/insurance
lolipop:
There was Police program on TV the other week,where a Pizza delivery guy was stopped in his car for whatever reason,he was not only done for a vehicle offence but also for using his motor with the incorrect Insurance ie Social & Domestic and NOT business.
If the Coroners office is not coughing up for a van or the cost of any extra Insurance premiums then your Daughter should say NO after all its HER car and her that gets the summons if she ever stopped for it.
For the past few years my insurance (which includes commuting and business use) has had a “not for hire, reward or fast food delivery” clause at the bottom of it.
as a newly passed i would imagine that business insurance for a young ( 25 ) newly passed driver is going to be expensive, and there are no repayments in place to help her pay for the added expense…I wonder what you guys think of this.!!
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