This is a question concerning car insurance?

Question

I currently have social,domestic,pleasure and connection with the businesses of the policy holder insurance on my car.I am aware this covers me to drive to my place of work,should I be asked to go and help out at another establishment for them am I then covered to drive there.
I was told that I was covered aslong as I wasnt carrying passengers for them,this was told to me by my boss.
I am unsure of this though as I have no form of business insurance

I am having a dispute at work with regards to this my company are saying I have to go if asked to another place of work it does state this in my contract but my excuse is that I am not covered

as I am only occasionally asked and am on a tight budget I cant see the point of adding this extra cover

Answer 1

The best answer is for you to speak to your insurance company.

I believe that you are not insured. As previously stated by others your insurance will probably cover you commuting to your normal place of work. I had a similar problem and had to include business use on my insurance. The company I'm with (Norwich Union Direct) put this on at no extra cost. Hope this helps.

Answer 2

Normally you are covered for driving to your "normal place of work". You would be on dodgy ground if you had an accident while "commuting" onwards to a different establishment. Get a quote to add business use to your insurance - if you business mileage is low it is a remarkably cheap addition.

Answer 3

hi.
it'll be best if you call your company and add a business use to your policy, then this will cover you to travel between different places of work. it won't cost a much as you think & better to have more cover than you need than not enough cover. give your company a call to get a quote.

Answer 4

If the wording currently states "in connection with the business of the policyholder..." this equates to Class 1 business use which should be adequate for your requirements on an occasional basis - provided you are not carrying samples, cold calling or going on appointments (ie not commercial travelling).

For anything more involved than this, increased use would be required and would probably result in an additional premium.

Answer 5

Normally you are covered for your own use to "commute" to & from your normal place of work. If you travel from your normal place of work to another place at your employer's request, you are doing so on your employer's business, not yours. This requires extra cover. Check with your insurers.

Answer 6

It sounds as if you are covered for use incidental to your job, provided your insurers know the real job you are doing. However if you are driving at the request of your employer then HIS insurance should be covering you.

Answer 7

i have business class 1 use on my policy which covers me to use my car for work and this cost nothing. some policies will charge but very little. check with your insurer.

Answer 8

Providing there is no element of profit for carrying passengers then you can transport them between locations for your company. - this would not count as 'hire or reward'.
You are allowed, it appears to use the vehicle for going between places of work. You would not be able to use the vehicle with the intention of going on the road to sell items - this counting as commercial travelling.

Answer 9

If you are in a company vehicle and it is covered, you are covered, even if you are out drunk driving, you will be covered, you might lose your job but you will be insured!

Answer 10

Why not just call your insurance company to find out?