Originally posted by Lance
View Post
- Visitors can check out the Forum FAQ by clicking this link. You have to register before you can post: click the REGISTER link above to proceed. To start viewing messages, select the forum that you want to visit from the selection below. View our Forum Privacy Policy.
- Want to receive the latest contracting news and advice straight to your inbox? Sign up to the ContractorUK newsletter here. Every sign up will also be entered into a draw to WIN £100 Amazon vouchers!
Personal Car Damaged at Work
Collapse
X
-
I was an IPSE Consultative Council Member, until the BoD abolished it. I am not an IPSE Member, since they have no longer have any relevance to me, as an IT Contractor. Read my lips...I recommend QDOS for ALL your Insurance requirements (Contact me for a referral code). -
Originally posted by Paralytic View PostI'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.Originally posted by Scruff View PostMy 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.
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.'CUK forum personality of 2011 - Winner - Yes really!!!!Comment
-
Originally posted by Scruff View PostMy 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.'CUK forum personality of 2011 - Winner - Yes really!!!!Comment
-
Originally posted by northernladuk View PostAnd 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.
This is not a clear-cut as you're trying to make out. Each individual should check with their own insurer.Last edited by Paralytic; 22 January 2021, 11:21.Comment
-
Originally posted by Paralytic View PostWhat 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.
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.Last edited by northernladuk; 22 January 2021, 11:20.'CUK forum personality of 2011 - Winner - Yes really!!!!Comment
-
Originally posted by Paralytic View PostWhat 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.
You don't need business insurance for a commute, but a commute is not business travel. It's a commute.See You Next TuesdayComment
-
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.Blog? What blog...?Comment
- Home
- News & Features
- First Timers
- IR35 / S660 / BN66
- Employee Benefit Trusts
- Agency Workers Regulations
- MSC Legislation
- Limited Companies
- Dividends
- Umbrella Company
- VAT / Flat Rate VAT
- Job News & Guides
- Money News & Guides
- Guide to Contracts
- Successful Contracting
- Contracting Overseas
- Contractor Calculators
- MVL
- Contractor Expenses
Advertisers
Contractor Services
CUK News
- Streamline Your Retirement with iSIPP: A Solution for Contractor Pensions Sep 1 09:13
- Making the most of pension lump sums: overview for contractors Sep 1 08:36
- Umbrella company tribunal cases are opening up; are your wages subject to unlawful deductions, too? Aug 31 08:38
- Contractors, relabelling 'labour' as 'services' to appear 'fully contracted out' won't dupe IR35 inspectors Aug 31 08:30
- How often does HMRC check tax returns? Aug 30 08:27
- Work-life balance as an IT contractor: 5 top tips from a tech recruiter Aug 30 08:20
- Autumn Statement 2023 tipped to prioritise mental health, in a boost for UK workplaces Aug 29 08:33
- Final reminder for contractors to respond to the umbrella consultation (closing today) Aug 29 08:09
- Top 5 most in demand cyber security contract roles Aug 25 08:38
- Changes to the right to request flexible working are incoming, but how will contractors be affected? Aug 24 08:25
Comment