do I need special insurance to drive my own car
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    Nervous Newbie


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    Default 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

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    Still gathering requirements...


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    Have you asked your insurance provider?

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

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    Have your read your contract?
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    Used to be covered by class-1 business use.
    --drunk on abuse of power--

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    Have you asked in general?
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    Contractor Among Contractors


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

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

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    Quote 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.
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    Quote 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.

  10. #10

    Contractor Among Contractors


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    Quote Originally Posted by sociopath View Post
    Have you asked your insurance provider?
    Quote Originally Posted by BolshieBastard View Post
    You need insurance to drive to your place of work? oh tulip!
    Quote Originally Posted by northernladuk View Post
    Have your read your contract?
    Quote 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.

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