Car insurance as an expense?

[ApeShape]

It's quite a premium to get Business Use added to my car policy (it's SDP only at the moment) but I really need the convenience of having a car now that I'm expected to be office based again. Question is, would car insurance be an acceptable expense? Seems like it should be considering PI is OK (and other types of business insurance also)

[eek]

It's quite a premium to get Business Use added to my car policy (it's SDP only at the moment) but I really need the convenience of having a car now that I'm expected to be office based again. Question is, would car insurance be an acceptable expense? Seems like it should be considering PI is OK (and other types of business insurance also)

No you get45p a mile if outside IR35 and that is enough to cover all your costs according to HMRC.

I you are inside IR35 it's standard commuting so you don't get anything

[northernladuk]

It's quite a premium to get Business Use added to my car policy (it's SDP only at the moment) but I really need the convenience of having a car now that I'm expected to be office based again. Question is, would car insurance be an acceptable expense? Seems like it should be considering PI is OK (and other types of business insurance also)

Honestly fella, its getting a bit much now. Why not do a search as you've been told? It's been asked plenty times and can easily be found on the web. It breaks the simple rule that it is not wholly and exclusively for business use. You may actually learn other interesting stuff on what to do in your situation if you search the old threads rather than asking us to go over it all again.

PI is Ok?Do you use your PI personally when not working? Do you buggery so nothing like PI

How about doing a bit of your own research rather than trolling prof with your lazy questions.

[WTFH]

It's quite a premium to get Business Use added to my car policy (it's SDP only at the moment) but I really need the convenience of having a car now that I'm expected to be office based again. Question is, would car insurance be an acceptable expense? Seems like it should be considering PI is OK (and other types of business insurance also)

Please stop trolling the forums.
If you are contracting for a US company in USD, then why are you driving to an office?
https://forums.contractoruk.com/busi...llars-vat.html

Could I suggest that you buy yourself a car you can afford to drive, that you can afford to get insurance on, and you do it properly. There's very little premium going from commuting to class 2, compared to how much a contractor earns in a week. Unless there's loads of things you're not telling us.

[eek]

Please stop trolling the forums.
If you are contracting for a US company in USD, then why are you driving to an office?
https://forums.contractoruk.com/busi...llars-vat.html

Could I suggest that you buy yourself a car you can afford to drive, that you can afford to get insurance on, and you do it properly. There's very little premium going from commuting to class 2, compared to how much a contractor earns in a week. Unless there's loads of things you're not telling us.

It depends how long they've been driving - the cost of business usage on Twin B's car was oh boy - glad we don't need that for the first 2 years (and that was even after the ouch cost of the initial policy).

It would have been about £1 a business mile for a 70 bhp fiat 500.

[WTFH]

It depends how long they've been driving - the cost of business usage on Twin B's car was oh boy - glad we don't need that for the first 2 years (and that was even after the ouch cost of the initial policy).

It would have been about £1 a business mile for a 70 bhp fiat 500.

It's also worth adding additional drivers who have experience (not as main driver, just as additional)

[eek]

It's also worth adding additional drivers who have experience (not as main driver, just as additional)

Already done - the issue is that business mileage is attached to the named main driver (twin b) which was why it was so completely insane.

Hopefully 1 year of no claims and everything will be fine.