Reply to: Mileage rate

[threaded]

Why do you answer

Why do fools fall in love
Why do birds sing so gay
Lover's awake at the break of day
Why do they fall in love

Why does the rain fall from up above
Why do fools fall in love
Why do they fall in love

Why does my heart skip with a crazy beat
'Fore I know it will fail to beat
Tell my why why
Why do they fall in love

Why do fools fall in love
Doom Bopa Doom Bopa Doom Bopa Doo Dut
Why do birds sing so gay
Lover's awake at the break of day
Why do they fall in love

Why does the rain fall from up above
Why do fools fall in love
Why do they fall in love

Tell my why why
Why do they fall in love

Tell my why why
Why do FOOLS- fall- in- love

[The Master]

My contract finishes next week anyway.....

So why are you asking then?

[Hiram King Of Tyre]

My contract finishes next week anyway.....

[boredsenseless]

I'll check.

Glad to see you got the insurance thing sorted, its much less painful when you do it before an accident rather than after it.

And BTW I'd charge, or at the least say actually I don't mind travelling between two sites but I'm not carrying passengers

[Hiram King Of Tyre]

I'll check.

[ASB]

The client though says that their contract with my pimp says siteA and siteB and therefore they're not paying.

Fine, but what does your contract with your agent say?

If it doesn't say the same thing you are entitled to decline it (or charge for doing it) and ultimately the agent will need to cought out of their own funds. This is one of the problems that can occur iwhey they sell something different to what is sold.

[Hiram King Of Tyre]

OK guys, here's what I got from the insurance company:

Thank you for your recent e-mail. I have amended your policy to
class 1
business use at not extra cost to your policy. This will give
you all the
cover you have requested. I have also sent a new certificate of
motor
insurance.

The client though says that their contract with my pimp says siteA and siteB and therefore they're not paying.

[tim123]

And if you are insured, unless it says otherwise I can't see that who or what you carry in your car makes any difference.

Try telling an insurance company that you work in 'theatre' and your quote for business insurance will sky-rocket.

The company will assume that one day you will have David Copperfield in your car, have an accident, damage his hands and he will sue them for 100 Million in lost earnings.

Of course the guy who changes the light bulbs at the Blackburn Palais will never ever have David Copperfiled in his car, but the insurance company don't see it that way.

tim

[Chappo]

if i was asked to turn up at an office for 9am - then goto another office carrying the passenger then i would not have a problem with it as you are travelling in their work time -

if on the other hand i was asked to pick someone up from their home, then travel to another site for 9am - then yes i woul dexpect to charge the mileage

[Hiram King Of Tyre]

I've asked the insurance co

[BoredBloke]

My car is covered for business use and it does add a little to the premium.

[boredsenseless]

And if you are insured, unless it says otherwise I can't see that who or what you carry in your car makes any difference.

It's an insurance policy - dreamt up by companies whose sole purpose is to try their best not to have to pay out except in a narrow band of circumstances. Of course it makes a difference.

There are a number of bandings of insurance and usually the conveyance of customers is generally excluded from most business usage cover. Since it isn't beyond the wit of man to extend this to chauffeur and taxi servicing. i.e. you pay may to read my paper and I'll drive you to work. Or you pay me to write code for you and I'll drive you to work!!!

Incidentally a lot of business insurance will cover you between your normal office and a designated place of work (which can change), but will not automatically cover you if once you arrive at your designated place you are asked to perform another journey i.e. to another site.

Unless you know the insurance industry inside out I suggest you stop treating it quite so simply. Its a minefield and they make their profits by people assuming.

[expat]

I can't see that you're not insured. If using the car for business means it's for hire or reward, then having business use on your policy is meaningless if it also excludes hire or reward because even a permie is rewarded for making the trip.

And if you are insured, unless it says otherwise I can't see that who or what you carry in your car makes any difference.

Business use could have at least 3 levels:
1 your journey to work
2 your use during work
3 use for carrying others in connection with work
and that's before you get to being paid to carry passengers.

[VectraMan]

I can't see that you're not insured. If using the car for business means it's for hire or reward, then having business use on your policy is meaningless if it also excludes hire or reward because even a permie is rewarded for making the trip.

And if you are insured, unless it says otherwise I can't see that who or what you carry in your car makes any difference.

[boredsenseless]

Thanks guys. I'm only seeking about 25p per mile which is the IR approved rate. I'm not seeking any extra reward for carrying the passenger but I have made the point that I'm saving them his travel cost and time as he would otherwise have to go by public transport...

...also. there have been occasions when I could have gone straight nome from the customer but have had to travel back to base to drop the passenger off

You may have only requested info about the mileage rate. However some eagle-eyed guys noticed a much bigger issue.

The issue that you probably aren't insured to carry a member of another companies staff in your car under your business insurance.

Phone your insurers and explain the situation pretty damn quickly. If you have a crash and you haven't explictly checked that what you are doing is covered they will not pay, and if anyone is hurt or other property damaged you'll be looking at visit to the local judge and whatever he decides to do to you.

We are not talking here about some opt-in opt-out, umbrella LTD, dividends PAYE moral argument here we are talking about something pretty damn serious that could really screw you, your passenger and anyone travelling the opposite way from you that gets hit in an accident. Act responsibly and check that you are covered.

Otherwise tell us the route so we can avoid it, cos if I'm going to be maimed in a crash I at least want to know that the other parties insurance company will pay for my ongoing treatment. In your case they might just not!!!