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FightBack Forums _ The Flame Pit _ Car insurance
Posted by: mashman36 Wed, 23 May 2018 - 23:40
Post #1384545
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.
Posted by: andy_foster Thu, 24 May 2018 - 01:37
Post #1384555
How do your insurers define "commuting" in your policy documents?
Posted by: nigelbb Thu, 24 May 2018 - 08:52
Post #1384590
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.
Posted by: Fredd Thu, 24 May 2018 - 08:56
Post #1384594
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.
Posted by: The Rookie Thu, 24 May 2018 - 08:58
Post #1384596
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.
Posted by: mashman36 Thu, 24 May 2018 - 10:25
Post #1384624
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.
Posted by: Fredd Thu, 24 May 2018 - 10:41
Post #1384627
£100 extra for just 3k a year? You need to change your insurance company.
Posted by: The Rookie Thu, 24 May 2018 - 10:58
Post #1384630
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.
Posted by: 666 Thu, 24 May 2018 - 12:04
Post #1384649
If the company pays mileage for these "extra" journeys, then it seems to be business use. Paying for commuting would be very unusual.
Posted by: Churchmouse Thu, 24 May 2018 - 21:27
Post #1384815
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.
--Churchmouse
Posted by: mashman36 Fri, 25 May 2018 - 11:12
Post #1384927
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.
Posted by: The Rookie Fri, 25 May 2018 - 11:18
Post #1384928
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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