Car insurance, On call legal requirement |
Car insurance, On call legal requirement |
Wed, 23 May 2018 - 23:40
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#1
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Member Group: Members Posts: 838 Joined: 7 Jun 2010 From: planet earth Member No.: 38,027 |
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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Wed, 23 May 2018 - 23:40
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Thu, 24 May 2018 - 01:37
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#2
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Member Group: Life Member Posts: 24,213 Joined: 9 Sep 2004 From: Reading Member No.: 1,624 |
How do your insurers define "commuting" in your policy documents?
-------------------- Andy
Some people think that I make them feel stupid. To be fair, they deserve most of the credit. |
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Thu, 24 May 2018 - 08:52
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#3
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Member Group: Members Posts: 3,768 Joined: 17 Mar 2013 Member No.: 60,602 |
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. -------------------- British Parking Association Ltd Code of Practice(Appendix C contains Schedule 4 of POFA 2012 ) & can be found here http://www.britishparking.co.uk/Code-of-Pr...ance-monitoring
DfT Guidance on Section 56 and Schedule 4 of POFA 2012 https://www.gov.uk/government/uploads/syste...ing-charges.pdf Damning OFT advice on levels of parking charges that was ignored by the BPA Ltd Reference Request Number: IAT/FOIA/135010 – 12 October 2012 |
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Thu, 24 May 2018 - 08:56
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#4
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Webmaster Group: Root Admin Posts: 8,205 Joined: 30 Mar 2003 From: Wokingham, UK Member No.: 2 |
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.
-------------------- Regards,
Fredd __________________________________________________________________________
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Thu, 24 May 2018 - 08:58
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#5
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Member Group: Members Posts: 56,198 Joined: 9 Sep 2003 From: Warwickshire Member No.: 317 |
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.
-------------------- There is no such thing as a law abiding motorist, just those who have been scammed and those yet to be scammed!
S172's Rookies 1-0 Kent Council PCN's Rookies 1-0 Warwick Rookies 1-0 Birmingham PPC PCN's Rookies 10-0 PPC's |
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Thu, 24 May 2018 - 10:25
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#6
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Member Group: Members Posts: 838 Joined: 7 Jun 2010 From: planet earth Member No.: 38,027 |
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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Thu, 24 May 2018 - 10:41
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#7
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Webmaster Group: Root Admin Posts: 8,205 Joined: 30 Mar 2003 From: Wokingham, UK Member No.: 2 |
£100 extra for just 3k a year? You need to change your insurance company.
-------------------- Regards,
Fredd __________________________________________________________________________
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Thu, 24 May 2018 - 10:58
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#8
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Member Group: Members Posts: 56,198 Joined: 9 Sep 2003 From: Warwickshire Member No.: 317 |
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. -------------------- There is no such thing as a law abiding motorist, just those who have been scammed and those yet to be scammed!
S172's Rookies 1-0 Kent Council PCN's Rookies 1-0 Warwick Rookies 1-0 Birmingham PPC PCN's Rookies 10-0 PPC's |
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Thu, 24 May 2018 - 12:04
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#9
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Member Group: Members Posts: 3,300 Joined: 17 Jun 2011 Member No.: 47,602 |
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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Thu, 24 May 2018 - 21:27
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#10
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Member Group: Members Posts: 2,356 Joined: 30 Jun 2008 From: Landan Member No.: 20,731 |
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. --Churchmouse |
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Fri, 25 May 2018 - 11:12
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#11
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Member Group: Members Posts: 838 Joined: 7 Jun 2010 From: planet earth Member No.: 38,027 |
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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Fri, 25 May 2018 - 11:18
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#12
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Member Group: Members Posts: 56,198 Joined: 9 Sep 2003 From: Warwickshire Member No.: 317 |
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. -------------------- There is no such thing as a law abiding motorist, just those who have been scammed and those yet to be scammed!
S172's Rookies 1-0 Kent Council PCN's Rookies 1-0 Warwick Rookies 1-0 Birmingham PPC PCN's Rookies 10-0 PPC's |
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