Car Insurance - Business Usage - more expensive?

[quackhandle]

Bought the car insurance last week and as normal, I put down SDP & Commuting

I am using train/tram to get to client co, but was wondering if it's more on the premium?

I mean Business usage, yes your a business and I am "commuting" to client co, not sure of the difference really.

qh

[Sausage Surprise]

Was about an extra tenner (in total) on my policy. As you're a business and travelling to a client, not having it isn't really an option.

[quackhandle]

Was about an extra tenner (in total) on my policy. As you're a business and travelling to a client, not having it isn't really an option.

I thought as much, I'll give the insurance people a call.

qh

[sal]

As you're a business and travelling to a client, not having it isn't really an option.

You are not YourCo, you are 2 separate legal entities.

YourCo Employee commuting to the the client using his personal vehicle is not business use. Otherwise 90% of people are using their cars for business....

YourCo Employee delivering pizza using his personal vehicle probably is, but it's not what the OP is asking i guess.

[northernladuk]

I mean Business usage, yes you're a business and I am "commuting" to client co, not sure of the difference really.

qh

No you are not. You are making a business trip to your client which is why you can claim the mileage.

[TheFaQQer]

I mean Business usage, yes your a business and I am "commuting" to client co, not sure of the difference really.

qh

Commuting - travelling to your regular place of work.

Business use - travelling for work to anywhere else.

If you are claiming expenses to a temporary place of work, then it's business use rather than commuting. If you aren't claiming expenses to get to client site, then you might get away with classing it as commuting.

For the few quid a year it costs, I don't think it's worth the risk of finding out you're not insured if you need it.

[quackhandle]

Commuting - travelling to your regular place of work.

Business use - travelling for work to anywhere else.

If you are claiming expenses to a temporary place of work, then it's business use rather than commuting. If you aren't claiming expenses to get to client site, then you might get away with classing it as commuting.

For the few quid a year it costs, I don't think it's worth the risk of finding out you're not insured if you need it.

Yeah I was wondering more about the cost, ie greedy insurance companies adding on another £100+ but if it's only 10-20 notes I'll add it on.

qh

[TheCyclingProgrammer]

Yeah I was wondering more about the cost, ie greedy insurance companies adding on another £100+ but if it's only 10-20 notes I'll add it on.

qh

Might not even add that much if your mileage is low enough.

[quackhandle]

YMMV. ;-)

qh

[vwdan]

Might not even add that much if your mileage is low enough.

When I was 18 I purchased a classic car and promptly found out the hard way I couldn't get insurance until I was 19 - or, rather, couldn't find any at a <£5k until I was 19. Anyway, turned 19, and managed to insure it for about £700 a year and it came with business insurance. I know it's all statistically driven, but as a consumer, insurance can feel random at best.