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Car insurance, On call legal requirement
mashman36
post Wed, 23 May 2018 - 23:40
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I work in an industry that calls for an engineer to be available on call 24/7 every 6 weeks.
My issue is the insurance on my vehicle is personal pleasure and single place of work.
Place of work doesnt change ; so say I do 8am to 4pm then i get called back at 6pm am i legally still insured to return or is this classed as business milage ?
How many times can i go back and fourth legally?
I asked the insurance but they didnt get back to me .
This is something that i believe the employer pays for if it business milage as a additional cost as we get 30p a mile if called out plus time half while on site but we dont get paid travel time.
To put a set amount of business on the policy is another £100 a year.
The junior engineers could be 4 times due to age and experience!
We asked for a company oncall pool car but didnt get anywhere.

This post has been edited by mashman36: Wed, 23 May 2018 - 23:47
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post Wed, 23 May 2018 - 23:40
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andy_foster
post Thu, 24 May 2018 - 01:37
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How do your insurers define "commuting" in your policy documents?


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nigelbb
post Thu, 24 May 2018 - 08:52
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QUOTE (mashman36 @ Thu, 24 May 2018 - 00:40) *
To put a set amount of business on the policy is another £100 a year.

What is a "set amount of business"? I my experience adding business use cost little or nothing extra on my insurance policy & the amount of business mileage was not qualified in any way.


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Fredd
post Thu, 24 May 2018 - 08:56
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There's more than one kind of "business use" insurance. The cheap/free level should cover you for things like driving between sites, visiting customer sites and the like, but won't cover you for carrying goods, tools or making deliveries - that kind of cover costs more, sometimes a lot more.


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The Rookie
post Thu, 24 May 2018 - 08:58
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It sounds like commuting to and from a regular place of work to me, whether paid mileage or not, but it would certainly fall within class 1 business use which as Fredd points out is pretty much free anyway.


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mashman36
post Thu, 24 May 2018 - 10:25
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I dont carry any tools for work they are provided.
But a round trip for me can be between 80 to 160 mile if roads are closed due to weather conditions.
I gave an estimate of 3k a year additional work mileage and thats what the insurance estimated as a extra cost of around £100.

I am looking at a business case to take forward to make sure all engineers are legally covered and paid correctly for using personal vehicles to attend out of hours calls.
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Fredd
post Thu, 24 May 2018 - 10:41
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£100 extra for just 3k a year? You need to change your insurance company.


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The Rookie
post Thu, 24 May 2018 - 10:58
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QUOTE (mashman36 @ Thu, 24 May 2018 - 11:25) *
I am looking at a business case to take forward to make sure all engineers are legally covered and paid correctly for using personal vehicles to attend out of hours calls.

I used to work for a company that provided the insurance cover for all pre-approved business mileage, they paid a lower p/mile than HMRC allow (with no tax liability - so circa 25-35p/mile depending on the vehicle instead of the 45p/mile) but it meant you would have no nasty surprises from things like a stone damaged windscreen etc.


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666
post Thu, 24 May 2018 - 12:04
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If the company pays mileage for these "extra" journeys, then it seems to be business use. Paying for commuting would be very unusual.
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Churchmouse
post Thu, 24 May 2018 - 21:27
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QUOTE (666 @ Thu, 24 May 2018 - 13:04) *
If the company pays mileage for these "extra" journeys, then it seems to be business use. Paying for commuting would be very unusual.

I see what you're getting at, but I would suggest that it is the relevant policy wording that will determine the outcome. If the policy defines "commuting" in a particular way, and that way does not distinguish between single and multiple round trips to a single place of employment, the proposer (i.e., the consumer) is under no obligation to second-guess the insurer's choice of policy wording.

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mashman36
post Fri, 25 May 2018 - 11:12
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Thanks churchmouse,
Its yet another issue pushed onto the employee; with ambiguous wording by the insurance company could leave some confused unprotected and out of pocket.
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The Rookie
post Fri, 25 May 2018 - 11:18
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QUOTE (666 @ Thu, 24 May 2018 - 13:04) *
If the company pays mileage for these "extra" journeys, then it seems to be business use. Paying for commuting would be very unusual.

Not at all, when the company transferred me to an office further away I got business mileage for the incremental journey but my insurance company were happy it was my new permanent place of work for the duration. I don't see how asking someone to come in (on an extra journey) and paying for it differs from that, and its still travel to and from a permanent place of work which is how commuting is usually defined.


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