Using own car for a meeting. WARNING – exciting car insurance question content
I had to do this – it’s very cheap, just the insurance companies selling something as an add-on that should be in the policy. And giving themselves an excuse to not pay out…
I think ti was about an extra £1 a year but that was a while back now. The important this is to tell them, or you know what you are tempting….Posted 6 years agogonefishinMember
Commuting is normally covered and as long as you aren’t delivering stuff then many also cover driving for work. Mine certainly does.
That being said if that really is the situation then I’d say get work to pay for a taxi/hire car or some other form of transport. They’ll be paying the milage anyway as an expese so it won’t cost them too much more.Posted 6 years agomavistoMember
Officially you are not really commuting as it’s not to a permanent place of work. Going to a meeting at a different office from where you work would be classed as business miles.
If anything happens, you will certainly not be covered by your insurance, if you tell them the truth. If something does happen and you lie, who is to know? Depends on how far the insurace company wants to take it.
If your company is insisting that you go to the meeting and you are not required in your contract to use your car for work, tell them you need a hire car or you can’t go.Posted 6 years agothebunkMember
I’m not covered for commuting (as I don’t need it for commuting, and it was cheaper without). Not sure if it would help anyway.
I’m not going to risk not being covered. I wouldn’t fancy lying – especially cos I’d be driving a couple of colleagues!
So basically, hire car or call the insurers. Thanks for your help – you can all go back to talking about bicycles and sunshine!Posted 6 years agothebunkMember
Did I say exciting? I lied….
My car is insured for SDP use only, so no commuting. I’ve got to go to a internal meeting next week at another office, and I need to drive.
If I have an accident in my car on the way there or back I’m not covered? Can I get cover for one day, or do I either have to upgrade my insurance to Business use, or get a hire car?
ta in advance for any advice or funny pictures.Posted 6 years agoBerm BanditMember
Ring your insurer and ask the question. If they so no tell your company that you can’t use your own car as you are not insured for business use. Unless you ride/walk to work extend your cover to include commute.
God forbide something horrendous happens and you end up in a multi million pound litigation but if you do they will find out what you were doing, and they will whinge on the deal if there is a way out!Posted 6 years agoJujuuk68Member
The truth approximately – is that if your not at fault the insurance company will not give a damm, especially if a recovery is no the cards and they sell on your pi claim to their panel solicitors.
If you are at fault and its a modest bump, of a few thousands of pounds, again, they simply won’t care much. Its not as if they can get out of it, s152 of the RTA ect.
If you cause a catastrophic accident, causing a huge claim, they will examine everything about you and your policy to try and void it, and refer your claimants on to the MIB.Posted 6 years ago
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