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do I need special insurance to drive my own car

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    do I need special insurance to drive my own car

    I'm using my own car to travel to and from a contracting job, do I need any special insurance?

    matt the newbie

    #2
    Have you asked your insurance provider?

    Comment


      #3
      You need insurance to drive to your place of work? oh tulip!
      I couldn't give two fornicators! Yes, really!

      Comment


        #4
        Have your read your contract?
        'CUK forum personality of 2011 - Winner - Yes really!!!!

        Comment


          #5
          Used to be covered by class-1 business use.
          Down with racism. Long live miscegenation!

          Comment


            #6
            Have you asked in general?

            Comment


              #7
              I'd say it's usually covered by "commuting" rather than "business use."

              Most policies do automatically cover "commuting" but not "business use."

              Comment


                #8
                Originally posted by IR35 Avoider View Post
                I'd say it's usually covered by "commuting" rather than "business use."

                Most policies do automatically cover "commuting" but not "business use."
                Those of you who only have 'commuting' on your policy may find you're not covered. Commuting on every policy Ive had only covers travel to a 'permanent place of work.'

                Since most contractors denote the client site as a temporary place of work to claim travel expenses, you're not travelling to a permanent place and thus not covered.

                Just saying.
                I couldn't give two fornicators! Yes, really!

                Comment


                  #9
                  Originally posted by BolshieBastard View Post
                  Those of you who only have 'commuting' on your policy may find you're not covered. Commuting on every policy Ive had only covers travel to a 'permanent place of work.'

                  Since most contractors denote the client site as a temporary place of work to claim travel expenses, you're not travelling to a permanent place and thus not covered.

                  Just saying.

                  Agree. You need business use.

                  Comment


                    #10
                    Originally posted by sociopath View Post
                    Have you asked your insurance provider?
                    Originally posted by BolshieBastard View Post
                    You need insurance to drive to your place of work? oh tulip!
                    Originally posted by northernladuk View Post
                    Have your read your contract?
                    Originally posted by BrilloPad View Post
                    Have you asked in general?
                    Very good.

                    If claiming mileage expenses then it's "business use".

                    If not then it would be normal commuting.

                    Usually 'business use' costs little or nothing extra. The policy might cover it already but check this with the provider.

                    Comment

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