SuperSmiley:
Unless the companies have actually allowed you two to see and dictate their agreed insurance polices…then u may find…they may have had fine tuned them to help bring the cost down…(and avoid any liablity)…so when they say such n’ such is not insured…i take it as gospel…
As Conor has already pointed out, any insurance policy that limits you to specific routes would almost certainly not comply with the road traffic act and therefore be illegal, so if they tell you that then they’re talking complete rubbish.
SuperSmiley:
Read the small print …(that is sometimes not even written in your contracts)…better still use your brains…and u may realise they’ll always find a way around it…
If they’ve not given you in writing then it isn’t going to stand up in court anyway. At the end of the day if you have an accident and their insurance covers it they have no choice but to either cough up out of their own pocket or claim on the insurance, they can’t simply say “we don’t want to claim so you’ll have to pay for it”.
Paul
SuperSmiley:
Unless the companies have actually allowed you two to see and dictate their agreed insurance polices…then u may find…they may have had fine tuned them to help bring the cost down…(and avoid any liablity)…so when they say such n’ such is not insured…i take it as gospel…
In that case if they ever tell you the vehicle isn’t insured to carry passengers and you take that as gospel, don’t whatever you do drive it because it means it has no insurance.

Please be aware
If you are a sole trader and you are working for a third party IE an agency you should be classed as employed and Tax and Ni should be deducted at source.
If the agency is paying you gross then the agency is in effect over paying by not deducting the tax and you are not liable for the tax and ni, the agency is and the tax man would go after the agency and not the sole trader.
This is set out in the agency legislation by the government.
So if there are any sole traders out there working for agencies who are paying you gross expecting you to pay your own tax and NI, you dont have to as the agency should be deducting and you should be paid net not gross therefore you are expecting them to pay it not you
speak to the tax man to have this verified I did and the agency i worked for had to pay all mine and the tax man even gave me mine back because in effect they had recieved it twice.