Travel Insurance

[Wanderer]

Is insurance a travel expense? I see no mention of it in either of those links. I would argue insurance falls out of this and back in to wholly and exclusively. Business insurances and personal ones tend to be different beasts.

Ok so how about this:

1. If you would routinely travel on a private trip without taking out travel insurance but you would take it out for a business trip then claim it against expenses as you wouldn't have paid for it otherwise (wholly and exclusively with incidental non-business benefit).

2. If you routinely take out travel insurance to cover leisure travel which covers you for business then don't claim it - you would have it even if you didn't travel on business.

3. If you have an existing policy but you have to pay £X amount extra to have it extended to cover business travel then claim for the extra portion.


I've taken out annual family policies for years and as far as I remember they have all covered business travel. I wouldn't claim the cost against the business because I would have it anyway and my leisure travel far out weighs my business travel....

[Fred Bloggs]

Ok so how about this:

1. If you would routinely travel on a private trip without taking out travel insurance but you would take it out for a business trip then claim it against expenses as you wouldn't have paid for it otherwise (wholly and exclusively with incidental non-business benefit).

2. If you routinely take out travel insurance to cover leisure travel which covers you for business then don't claim it - you would have it even if you didn't travel on business.

3. If you have an existing policy but you have to pay £X amount extra to have it extended to cover business travel then claim for the extra portion.


I've taken out annual family policies for years and as far as I remember they have all covered business travel. I wouldn't claim the cost against the business because I would have it anyway and my leisure travel far out weighs my business travel....

There's the difference then, my annual travel policy specifically exclused business related travel. So, if required, I purchase a seperate policy and invoice for it to the client.

[northernladuk]

Ok so how about this:

1. If you would routinely travel on a private trip without taking out travel insurance but you would take it out for a business trip then claim it against expenses as you wouldn't have paid for it otherwise (wholly and exclusively with incidental non-business benefit).

2. If you routinely take out travel insurance to cover leisure travel which covers you for business then don't claim it - you would have it even if you didn't travel on business.

3. If you have an existing policy but you have to pay £X amount extra to have it extended to cover business travel then claim for the extra portion.


I've taken out annual family policies for years and as far as I remember they have all covered business travel. I wouldn't claim the cost against the business because I would have it anyway and my leisure travel far out weighs my business travel....

Totally agree with all points. The point I was making was that the OP before me claimed this wasn't covered by wholly and exclusively due to some expenses rules he had linked. I argued that this links didn't cover insurance so fell back in to w & e as you also point out.