When getting car insurance quotes.. I'm actually an Employee

[psychocandy]

Class 1 business use is what you need.

Deffo have this or you could be screwed. In my experience, doesnt cost that much.

[richy]

And I presume you are not forgetting to add the business travel option? As you are travelling from your permanent place of work to your client you are doing business miles so the standard commute option is not enough.. Business level 1 or something is it called?

Thanks for all the replies. I'm unfortunately over 2 years with this client, so I didn't need to put down business miles in the end!

[stek]

When getting car insurance quotes.. I'm actually an Employee

Thanks for all the replies. I'm unfortunately over 2 years with this client, so I didn't need to put down business miles in the end!

I think you do.

[Wanderer]

Class 1 business use is what you need. Deffo have this or you could be screwed. In my experience, doesnt cost that much.

There is a lot of worry over very little in my opinion, but it's up to everyone to consider their own individual circumstances and the individual policy conditions to decide if it meets their requirements.

Class I business use doesn't always cost any extra so I take that option if they offer it at no extra cost.

For a lot of people, their travel is just commuting to a workplace so "social domestic and pleasure including commuting to multiple workplaces" covers it. Also, many policies have a specific allowance under the SD&P policy for work travel where you are paid a mileage allowance by your employer too.

Once again, everyone's different so check the wording against your own circumstances.

[blacjac]

Thanks for all the replies. I'm unfortunately over 2 years with this client, so I didn't need to put down business miles in the end!

I think you do.

Wouldn't have thought so as its now classed as a permanent place of work so 'commuting to your normal place of work' would cover it.

Attending interviews for other contracts is a different matter altogether though...

[centurian]

Thanks for all the replies. I'm unfortunately over 2 years with this client, so I didn't need to put down business miles in the end!

Those are two different things though

Just because you can no longer claim for the mileage - doesn't mean it becomes ordinary commuting. You don't work for the end client - it's still not your normal place of work, even though you can't claim for mileage anymore.

But if you have an accident, it's highly unlikely the insurance company would be able to ascertain the difference anyway, even if they looked hard, given you've been there for so long.

However, do remember they are two distinct concepts.

[psychocandy]

Yeh. Thats right. Just because you dont claim expenses doesnt mean its not a business trip.

I often wonder how an insurer would prove that the particular journey you were on was business though. Surely they'd never prove you werent on a day off and just happened to be driving in a particular area?

[Northern Soul]

After losing 2.5 hours of my life looking at comparison sites and the usual suspects for a new policy this morning , I eventually went with SwiftCover as :

1) they have a cover option of "Your car is used for social use and policyholder's own business" and

2) they were competitively priced

I’ve taken the view that 1) explicitly covers all driving related to my Ltd. company and leaves no wriggle room in the event of a claim, whether I am routinely commuting to my current ClientCo’s main site, one of their many alternative sites, travel to interviews etc, etc.

Nor do SwiftCover ask for employment status, so the employed / director / self-employed discussion is not relevant.

As a side note, I drive a low-value car, so naively thought TPFT might be cheaper....but no, fully comp actually proved to be £30 less ! That’s bizarre I thought, so some subsequent investigation exposed yet another "quirk" (scam ?) of the car insurance industry: TPFT insurers with low-value cars are often considered higher risk than those wanting fully comp…and can thus be quoted a higher TPFT premium than equivalent fully comp cover!

Insurers obviously hoping naivety prevents them exploring the fully comp option, which could paradoxically land a cheaper quote for more cover. Yet another example of rip-off Britain if you ask me, i.e., let’s see how much we can fleece naive suckers for....

[northernladuk]

After losing 2.5 hours of my life looking at comparison sites and the usual suspects for a new policy this morning , I eventually went with SwiftCover as :

1) they have a cover option of "Your car is used for social use and policyholder's own business" and

2) they were competitively priced

I’ve taken the view that 1) explicitly covers all driving related to my Ltd. company and leaves no wriggle room in the event of a claim, whether I am routinely commuting to my current ClientCo’s main site, one of their many alternative sites, travel to interviews etc, etc.

Nor do SwiftCover ask for employment status, so the employed / director / self-employed discussion is not relevant.

As a side note, I drive a low-value car, so naively thought TPFT might be cheaper....but no, fully comp actually proved to be £30 less ! That’s bizarre I thought, so some subsequent investigation exposed yet another "quirk" (scam ?) of the car insurance industry: TPFT insurers with low-value cars are often considered higher risk than those wanting fully comp…and can thus be quoted a higher TPFT premium than equivalent fully comp cover!

Insurers obviously hoping naivety prevents them exploring the fully comp option, which could paradoxically land a cheaper quote for more cover. Yet another example of rip-off Britain if you ask me, i.e., let’s see how much we can fleece naive suckers for....

It is because the legal cases involved in TPFT to work out who is at fault cost more in the long run. Every accident except being run up the back when stationary has a percentage of fault by both parties. Someone slamming in to the side of you can be partially your fault for not noticing him not slowing down for example. With TPFT you have to fight it cause you get no money otherwise. With comprehensive you sign it off quicker and accept the verdict cause you get paid so admin and legal costs etc are somewhat lower. It's just more hassle for them to sell you TPFT hence you get the reduction. Probably other factors that people that want TPFT are usually gonna burn their car out and claim on insurance or summat as well..

I am with swiftcover on one car and the extra business class didn't cost me a penny more? Over insure is my take on it. THey will try and get out at every turn the bastards so not taking a chance when it costs the same. I see what you are saying but my view is worthless when they refuse to payout. Belt and braces approach for me. Oddly enough I thought they did ask me my employment. I did it through a comparison site so maybe it asked but didn't need it. I am very surprised at that though, your profession can make a big difference to your premium if you are a DJ or entertainer for example. Will check with them next time I renew though. Thanks for mentioning that.

[psychocandy]

After losing 2.5 hours of my life looking at comparison sites and the usual suspects for a new policy this morning , I eventually went with SwiftCover as :

1) they have a cover option of "Your car is used for social use and policyholder's own business" and

2) they were competitively priced

I’ve taken the view that 1) explicitly covers all driving related to my Ltd. company and leaves no wriggle room in the event of a claim, whether I am routinely commuting to my current ClientCo’s main site, one of their many alternative sites, travel to interviews etc, etc.

Nor do SwiftCover ask for employment status, so the employed / director / self-employed discussion is not relevant.

As a side note, I drive a low-value car, so naively thought TPFT might be cheaper....but no, fully comp actually proved to be £30 less ! That’s bizarre I thought, so some subsequent investigation exposed yet another "quirk" (scam ?) of the car insurance industry: TPFT insurers with low-value cars are often considered higher risk than those wanting fully comp…and can thus be quoted a higher TPFT premium than equivalent fully comp cover!

Insurers obviously hoping naivety prevents them exploring the fully comp option, which could paradoxically land a cheaper quote for more cover. Yet another example of rip-off Britain if you ask me, i.e., let’s see how much we can fleece naive suckers for....

Swiftcover - Good luck with that one. Had no end of problems with these idiots one year.