To stay legally covered in my small ford ka I now understand that I need business insurance as I don’t commute to and from a single base of work.
My annual premium is 330 for sdp and I have heard it said that my premium will jump to a grand.
Is that so?.
And would Adelaide give a good discount for business insurance. I have no interest in becoming self employed or taking part in a umbrella company.
Cannot see why you need business - just commuting - where does it state that only one place of work can count as commuting?
If you’re worried about it get some quotes, my daughter pays about an extra £50 a year for business cover on her £500 ish policy, but she travels widely.
I too would expect commuting to include driving to work wherever that might be on a single journey, if you drove to your place of work then collected files/parts/people and drove to other places of work then i would expect business cover would be needed.
SDP = no commuting
SDP + commuting usually means to a single place of work
Class one usage includes business use, but not carriage of goods or people for hire and reward etc.
It doesn’t cost a lot more, providing you are not doing a huge number of business miles.
I asked what the difference would be on a 3-bike motorcycle policy if my big bike had class one cover and it was £30 on a £300 policy.
Cheap compared to the potential costs of driving uninsured.
Also have a Ka. Went onto Compare meerr and had a quote for under £200. TPFt and SDP and Commuting. LLoyds. £160 ish pay in full. £190 ihs on instalments That is with NO ncd
gocompare.com/car-insurance/ … -work-use/
And words of the above nature are on other insurance sites.
Have to be more aware these days as I worry about a scenario of having a accident whilst driving for agency on whom ever insurance and insurance finding a loop hole not to pay out and I get sued for a truck or is that stupid thinking.
Also the question of do you have access to other vehicles is that relevant as agency driver having access to all vehicles
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To stay legally covered in my small ford ka I now understand that I need business mileage as I don’t commute to and from a single base of work.My annual premium is 330 for sdp and I have heard it said that my premium will jump to a grand.
Is that so?.
And would Adelaide give a good discount for business insurance. I have no interest in becoming self employed or taking part in a umbrella company.
If you only travel to ONE place of work each day whether it is the same place or a different one then normal SD&P plus to and from work should cover you. If you are travelling between different places during the day in that vehicle then it is probably classed as business use.
e.g. An agency driver working at a different location each day is only doing what a commuter that works in the same place each day is doing as far as actual driving is concerned…
If you drive to a different client every day thats still 1 place of work. It doesnt say that the 1 place of work has to be the same place everyday. What you couldn’t do would be to drive between different jobs in the same day and be covered (for example a district nurse doing house calls).
Best thing to do is call one of these companies and ask for their clarification.
I take your point but the wording on my policy uses single permanent base of work.
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Also the question of do you have access to other vehicles is that relevant as agency driver having access to all vehicles
This means other vehicules in which to get to work in, not other vehicules once you are at work.
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I take your point but the wording on my policy uses single permanent base of work.
Then you need to change insurer - try Adelaide like many others on here have due to the LGV driver discount
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I take your point but the wording on my policy uses single permanent base of work.
I would have thought that logic would say that your normal place off work is were ever you are contracted to that day, but insurers being the slippery characters that they are, you need to get this clarified 
.
To throw another question into the mix(and graft into this thread),
I now make My insurers aware that My car spends most off the time parked at a haulage yard, days and nights(being a tramper). I cant excactly remember how this came into the conversation, but it was something to do with where is the car parked overnight, garaged or drive at home, or on street(near to home). I foolishly threw a spanner in the works, by saying that it actually spent more time at work. I did point out that it is a under 24hr cameras, and behind electronic key access gates. Anyhow got the insurance, and for the last few years have allways pointed this out, and just to make sure there is no wriggle room in the event of any claim, still at £135 for the year tpft, I’m not excactly being robbed
Commuting is going from home to work wherever that is…business insurance is where the vehicle is used as a business vehicle. Its just another con by the insurance companies to extract more money. I have always used my insurance cover as a means to drive me to work, FFS nearly everyone i know uses their car to get to work, then they come up with a new type of cover that includes commuting, so i had a big argument one day when my cover said Not for Commuting so i phoned them up threw a few expletives at them,. and told them to use their brain for a change and that 99.9% of drivers use their car for commuting to work, and they wanted another £50 for travel to work, so i told them to stuff it and if i had a claim i would say i was visiting someone in that area, or was on the way back from seeing my daughter who lived along the route, so my advice is dont pay the extra for commuting charge.
waddy640:
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To stay legally covered in my small ford ka I now understand that I need business mileage as I don’t commute to and from a single base of work.My annual premium is 330 for sdp and I have heard it said that my premium will jump to a grand.
Is that so?.
And would Adelaide give a good discount for business insurance. I have no interest in becoming self employed or taking part in a umbrella company.
If you only travel to ONE place of work each day whether it is the same place or a different one then normal SD&P plus to and from work should cover you. If you are travelling between different places during the day in that vehicle then it is probably classed as business use.
e.g. An agency driver working at a different location each day is only doing what a commuter that works in the same place each day is doing as far as actual driving is concerned…
It would entirely depend on the specific Insurer.
The majority of Insurers would define SDP & Commuting as being travelling to and from one PERMANENT place of work, with these Insurers if you travelled to different places of business either on the same day or commuted to on different days they would class this as requiring whats generally known as class one business use.
The Police tend to assume Insurers work to the same basis as the above as well.
There are Insurers who automtically consider commuting to different places of work on different days as being covered by SDP & commuting. There are also Insurers who if you contact them and explain you may drive to different places of work each day will include it as SDP & commuting but that’s up to the Insurer.
Assuming an Insurer will automatically cover you to drive to different places of work under commuting could prove very expensive in the event of a claim.
For instance here is the largest motor Insurers definition of commuting which is (intentionally) very specific.
"Am I covered for commuting?
Direct Line’s Social, Domestic and Pleasure policy cover includes commuting. This allows you to drive to and from a permanent place of work.
By ‘permanent’ place of work, we mean a single office, site, location or place of work that you intend to travel to for the duration of your contract of employment.
If you are employed, for example, on a 3 month contract and will only be travelling to one location/site/office during the term of your contract, then Social Domestic & Pleasure is sufficient.
Please check your policy documents to confirm your level of cover"
faqs.directline.com/help/car-insurance/commuting
Incidently DL tend to give class one business free of charge
Quote Me Happy (Aviva)
"What type of cover do I need to drive to work and back?
The answer
If you drive to work at the same place every day, choose 'social domestic and pleasure including commuting"
[quotemehappy.com/need-help/ … k-and-back]
(https://www.quotemehappy.com/need-help/Car/About_my_cover/What-type-of-cover-do-I-need-to-drive-to-work-and-back)
Note the intentional use of “the same place every day”
Admiral
"Commuting
Commuting is the next class up, and covers everything included in Social, Domestic and Pleasure, plus driving to and from a permanent place of work. Driving your car to the train station and leaving it there while you go to work counts as commuting. So does giving someone a lift to their place of work; it’s best to check when you get your quote.
Business use - class 1
If you’re using your car as part of your job, to drive to other sites as well as your usual place of work, this counts as Business use - class 1. It doesn’t include commercial use (such as deliveries) or door-to-door selling.
admiral.com/car-insurance/mo … of-use.php
Do not assume, check the paperwork and if you speak to an Insurer to get an agreement that is as per their standard wording take a note of their name and the date / time or ideally get them to confirm it in writing
I drive my car to different places of work within the working week.
I take it that I need business insurance. And within that businesses insurance I am covered for SDP .
thecouch:
"Am I covered for commuting?Direct Line’s Social, Domestic and Pleasure policy cover includes commuting. This allows you to drive to and from a permanent place of work.
By ‘permanent’ place of work, we mean a single office, site, location or place of work that you intend to travel to for the duration of your contract of employment.
If you are employed, for example, on a 3 month contract and will only be travelling to one location/site/office during the term of your contract, then Social Domestic & Pleasure is sufficient."Commuting
Commuting is the next class up, and covers everything included in Social, Domestic and Pleasure, plus driving to and from a permanent place of work. Driving your car to the train station and leaving it there while you go to work counts as commuting. So does giving someone a lift to their place of work; it’s best to check when you get your quote.
I would say that for both of these examples, an agency driver such as myself, that each time I start a new contract, whereby during that contract I go to one sole site, that is commuting.
thecouch:
Business use - class 1
If you’re using your car as part of your job, to drive to other sites as well as your usual place of work, this counts as Business use - class 1. It doesn’t include commercial use (such as deliveries) or door-to-door selling.
This would be the case where you drive to one site, start working, then drive to another site, for the same company, during your working day, and do some more for the same company, under the same contract. That is not commuting.
We have business use on the KIA via Adelaide- 3K business miles a year came to about £30 extra
one contract exists and that is with the agency that I signed with.
My base of work cannot be permanent because I am a mobile worker.
I think that I had better get business at only an extra 2 pound per month than face what could be a big litigation if I was embroiled in an accident.
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one contract exists and that is with the agency that I signed with.
Fair enough. Here in France each time I go to work for a company through the same agency a specific new contract is raised, even if it is only for a day. I spent six months this year working for one sole company, broken down into dozens of contracts!