do I need special insurance to drive my own car

[matt the newbie]

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

matt the newbie

[sociopath]

Have you asked your insurance provider?

[BolshieBastard]

You need insurance to drive to your place of work? oh tulip!

[northernladuk]

Have your read your contract?

[NotAllThere]

Used to be covered by class-1 business use.

[BrilloPad]

Have you asked in general?

[IR35 Avoider]

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

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

[BolshieBastard]

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.

[mudskipper]

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.

[Contreras]

Have you asked your insurance provider?

You need insurance to drive to your place of work? oh tulip!

Have your read your contract?

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.