Personal Car Damaged at Work

[Scruff]

A "normal" place of work is covered under commuting for insurance purposes.
What else could it be?

My insurers told me that if I was working on more than 1 client, then the commute would not be covered, but if it was just one, then I could continue with Social, Domestic, Commuting & Pleasure.

[northernladuk]

I'll defer that question to the previous respondents who told the OP that their commute to the client location was not covered under their car insurance, without querying whether this was their normal place of work.

My insurers told me that if I was working on more than 1 client, then the commute would not be covered, but if it was just one, then I could continue with Social, Domestic, Commuting & Pleasure.

This is all very simple and black and white. I don't know why people are buggering about with less.

You claim business mileage because you are doing a business trip. You are travelling from your place of work, which is your home on which you claim rent for, to your client. It's as simple as that. You claim money for your home office and you claim business mileage for a trip. It is not a commute and you are a fool if you think it is. Your house is your office so your commute is downstairs. Anything else is business. You use the tax advantages of this so why now muddy that by trying to call the trip something else?

An come on, this is insurance. They will attempt to not pay out for the slightest thing. They check tyres in an accident to try get out so you think they are going let you off a business trip on a commute only policy? You must be nuts.

Get the proper insurance, in which some instances costs you nothing, and do it properly.

[northernladuk]

My insurers told me that if I was working on more than 1 client, then the commute would not be covered, but if it was just one, then I could continue with Social, Domestic, Commuting & Pleasure.

And if you switch clients mid year then you've worked at two and you've invalidated your insurance.. And it's not a damn commute. Do it propery.

[Paralytic]

And if you switch clients mid year then you've worked at two and you've invalidated your insurance.. And it's not a damn commute. Do it propery.

What if you commute to your local train station each day and travel from there to your client(s)?

This is not a clear-cut as you're trying to make out. Each individual should check with their own insurer.

[northernladuk]

What if you commute to your local train station each day and travel from there to your client?

This is not a clear-cut as you're trying to make out. Each individual should check with their own insurer.

For ****s sake. Think about it man. YOU ARE NOT COMMUTING. It's not hard. Why are we now bringing the type of location we travel to in to this. How does that make a difference? You claim the train ticket through the company as it is a business trip so why not the car journey? This is getting ridiculous.

The only slight grey area in all this is the term 'your normal place of work' which ties in with the same phrase used by the 24 month rule. The 24 month rule does agree it will be so after 24 months but I am absolutely sure the insurance companies aren't of the same thinking. Stick to the facts of the case and get the correct insurance.

[Lance]

What if you commute to your local train station each day and travel from there to your client(s)?

This is not a clear-cut as you're trying to make out. Each individual should check with their own insurer.

yes it is clear cut. If you claim any business miles you should have business travel on your insurance.
You don't need business insurance for a commute, but a commute is not business travel. It's a commute.

[malvolio]

Still don't see the relevance of where and why and what the vehicle was doing when the damage was done to a personal vehicle insured personally...

It's really very simple. If it's your car you pay for it or use your insurance to do so, if it's the company's car then the company pays for it. It's one or the other, not both.