Car Insurance for Contractors...

[TykeMerc]

I've always had (I think they call it) Class 1 business use. That covers for driving to/between customer sites for business, but doesn't cover for carrying goods beyond the personal stuff.

It costs me under a tenner a year over ordinary comprehensive if memory serves.

[moorfield]

The other question is what you put as your profession. Company director? Software developer/analyst?

Whichever one gives me a cheaper quote on the calculators!

Cheeky f*****s at Admiral tried to put +£100 on my renewal last week for no apparent reason. Changed it back when I told them the figure their website was giving me.

[TykeMerc]

Whichever one gives me a cheaper quote on the calculators!

Cheeky f*****s at Admiral tried to put +£100 on my renewal last week for no apparent reason. Changed it back when I told them the figure their website was giving me.

That's routine, all inusurers will ratchet up the price if they can, they fully expect a significant percentage of people to not challenge it.
My ex wife was paying 3x more than she had to for this reason until she mentioned her renewal cost and then spoke to the insurer rather than just automatically renewing.

[northernladuk]

Whichever one gives me a cheaper quote on the calculators!

Cheeky f*****s at Admiral tried to put +£100 on my renewal last week for no apparent reason. Changed it back when I told them the figure their website was giving me.

I would beg to differ. If you put whichever one is cheaper and after a prang the insurance find out that whatever you put isn't the truth they will pull the claim possibly leaving you in a very uncomfortable situation.

If you are going to give false information about your job to get a cheaper quote you might as well go the whole hog and tell em you have a completely different car. Result will be the same in the end.

[northernladuk]

I've always had (I think they call it) Class 1 business use. That covers for driving to/between customer sites for business, but doesn't cover for carrying goods beyond the personal stuff.

It costs me under a tenner a year over ordinary comprehensive if memory serves.

WHS.. I have same. Changed it mid year and they didn't bother adding anything extra at the time or at renewal.

[SueEllen]

I would beg to differ. If you put whichever one is cheaper and after a prang the insurance find out that whatever you put isn't the truth they will pull the claim possibly leaving you in a very uncomfortable situation.
If you are going to give false information about your job to get a cheaper quote you might as well go the whole hog and tell em you have a completely different car. Result will be the same in the end.

The Admiral Group asks you to give your full-time occupation and your part-time occupation. So even if you arrange the quote to give you the cheapest price you have to put down both occupations, and as long as you do they have to pay out.

However not all insurers do............

[xoggoth]

Have found that normal social etc will do with some companies, best to advise them of your circumstances and ask. Make sure it's in writing.

[SuperZ]

The way I see it, it is no different than being an employee. If you were a permie loser but had to use your own vehicle for driving to different sites, would you upgrade to business insurance? No
If your vehicle was bought by your ltd company, yes, you need business cover. If you bought a van personally that you also use for business then again it would be yes also because you are likely to be carrying goods in it.

When it`s just one employee of a limited company driving a car bought personally and it`s you one man and his laptop, I think no, you just need extra cover as it`s jsut commuting to place of work.

Could be worth speaking to insurers I suppose, but they`ll probably say yes if it means more dosh for them. It`s not something that concerns me

[SueEllen]

The way I see it, it is no different than being an employee. If you were a permie loser but had to use your own vehicle for driving to different sites, would you upgrade to business insurance? No

That is complete rubbish.

I have friends' who are permie whose jobs involve them travelling to different sites away from the permanent site they are based at, and they have to get business insurance.

Most people pay nothing to about £10 extra to get business insurance added on to their policy.

[birdy-numnum]

I added business use to my policy - cost me all of £8 on top of my premium.