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Personal Car Damaged at Work

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    Personal Car Damaged at Work

    My personal car got minor damage while parked at a client location. As one of the handles got damaged partially, I have to get it fixed else it'll fail MOT on safety concerns. I couldn't find any clear guidance on whether this is an allowable expense for the company. The very little I have seen seems to point (not clearly) that this is allowed. Any pointers, please.
    Last edited by bbp; 21 January 2021, 21:07.

    #2
    Originally posted by bbp View Post
    My personal car got cosmetic damage while parked at a client location. As one of the handles got damaged partially, I have to get it fixed else it'll fail MOT on safety concerns. I couldn't find any clear guidance on whether this is an allowable expense for the company. The very little I have seen seems to point (not clearly) that this is allowed. Any pointers, please.
    So, your car is insured for business use, rather than just normal commuting ? Ohh and 'cosmetic damage' and 'it'll fail MOT on safety concerns' don't normally go together.
    When freedom comes along, don't PISH in the water supply.....

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      #3
      Sounds like you're looking to pay this yourself rather than have the insurance company handle it?

      I personally would charge my company for damage caused as a result of using my personal car for business purposes (and I would make sure I had business use on my insurance cover). The recharge of the repair should only be for the actual damage caused while using the car for company business. You can't add on a respray or refurb of your alloys too.

      As ever, check with your accountant.

      EDIT: I am assuming that you had nothing to do with how the damage occurred and so are not at fault. If the damage was caused by your action then I can see no sensible reason why the repair should be a company liability.
      Last edited by ladymuck; 21 January 2021, 18:42.

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        #4
        Originally posted by bbp View Post
        My personal car got cosmetic damage
        and
        I have to get it fixed else it'll fail MOT on safety concerns.
        As TM said - not cosmetic then.
        Down with racism. Long live miscegenation!

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          #5
          It's your personal car, so it's your personal expense.

          Comment


            #6
            1. Didn't think much of 'cosmetic', removed.
            2. Car insured for social & commute to work.
            3. Not my fault. Happened while it's parked so no idea what happened.

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              #7
              You do not technically have sufficient insurance. You are not commuting. You are driving from your primary work location to client premises.

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                #8
                As LadyMuck indicated you aren't insured and you are lucky that no-one else was involved.

                You need to get business insurance to cover you.

                It doesn't increase your premiums at all or by very much. However in your case you will have to pay the cost of adjusting your premium mid-policy.

                If you don't have it and you are involved in an accident e.g. then you aren't insured. Well the insurer will cover you third party as they legally have to, but they will refuse to cover you for anything else.

                Also some client's will not let you drive to a different site for them if you don't have business insurance as they have a Health and Safety responsibility for you.
                "You’re just a bad memory who doesn’t know when to go away" JR

                Comment


                  #9
                  The OP knows the answer and is making rubbish up to try convince us. They know full well its only cosmetic and they know full well its not a business expense.

                  I call the whole post BS. They are just looking for one post to agree and they'll be convinced. We see it all the time.

                  If it isn't and this is how tentative their grasp on what is business and personal then they've got bigger problems.

                  2. Car insured for social & commute to work
                  Oh dear. Maybe the latter is the case after all. Commuting? And I'll bet they are claiming mileage.. :
                  Last edited by northernladuk; 21 January 2021, 22:40.
                  'CUK forum personality of 2011 - Winner - Yes really!!!!

                  Comment


                    #10
                    Originally posted by northernladuk View Post
                    The OP knows the answer and is making rubbish up to try convince us. They know full well its only cosmetic and they know full well its not a business expense.

                    I call the whole post BS. They are just looking for one post to agree and they'll be convinced. We see it all the time.

                    If it isn't and this is how tentative their grasp on what is business and personal then they've got bigger problems.



                    Oh dear. Maybe the latter is the case after all. Commuting? And I'll bet they are claiming mileage.. :
                    This.
                    When freedom comes along, don't PISH in the water supply.....

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