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Author Business insurance for car.....
Corsa_Sport21
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Registered: 13th Apr 08
Location: Leven, Fife. Drives : 205 GTi
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31st Oct 12 at 17:35   View User's Profile U2U Member Reply With Quote
Ok, need some advice here.

GF starts a new job soon and will need business insurance to claim back for fuel. She is a named driver on my policy. If i were to call up and add business insurance to the policy, will this cover her?? Or will i just need to specify business insurance on her part??

Roughly, from people who have had business insurance on there policy, does it massively affect the premium?? Is it worth changing to a company who specialise in this sort of thing??
pow
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Registered: 11th Sep 06
Location: Hazlemere, Buckinghamshire
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31st Oct 12 at 17:37   View Garage View User's Profile U2U Member Reply With Quote
The options are normally:

SDP
SDP + Commuting
Business use for policy holder only
Business use for policy holder and named drivers

I'm on the policy holder only level, only added £25 odd to my yearly policy
broster
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Registered: 6th Dec 02
Location: Drives: E39
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31st Oct 12 at 18:40   View Garage View User's Profile U2U Member Reply With Quote
Depends how many business miles you do.
Corsa_Sport21
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Registered: 13th Apr 08
Location: Leven, Fife. Drives : 205 GTi
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31st Oct 12 at 18:59   View User's Profile U2U Member Reply With Quote
Cheers Pow.

What do you mean broster?? The cost??
broster
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Registered: 6th Dec 02
Location: Drives: E39
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31st Oct 12 at 19:03   View Garage View User's Profile U2U Member Reply With Quote
Yeah, if you do a lot of business miles it'll effect the cost more.
Corsa_Sport21
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Registered: 13th Apr 08
Location: Leven, Fife. Drives : 205 GTi
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31st Oct 12 at 19:08   View User's Profile U2U Member Reply With Quote
Oh right.

So just be a case of putting down a certain amount of miles per year and going from there.
sc0ott
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Registered: 16th Feb 09
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31st Oct 12 at 19:46   View User's Profile U2U Member Reply With Quote
Mines went up 30 quid when i had the ibiza but just kept same total miles.

What you need is a clio dci.
Corsa_Sport21
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Registered: 13th Apr 08
Location: Leven, Fife. Drives : 205 GTi
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31st Oct 12 at 20:45   View User's Profile U2U Member Reply With Quote
Aye the Clio would be handy. Might consider sticking the Astra up for sale. Just depends where she's going to need to travel to and if she's gonna need something economical.
pow
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Registered: 11th Sep 06
Location: Hazlemere, Buckinghamshire
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31st Oct 12 at 22:41   View Garage View User's Profile U2U Member Reply With Quote
Insurance is more expensive if you do more miles, doesn't matter is they are SDP, commuting or business.
Corsa_Sport21
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Registered: 13th Apr 08
Location: Leven, Fife. Drives : 205 GTi
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1st Nov 12 at 12:44   View User's Profile U2U Member Reply With Quote
Do you need to state a total mileage for business use??

Or is it all included in the total annual mileage??

Im down for 8k per year, but don't do anywhere near that. Even with her using it for work, we probably still won't go over 8k.
pow
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Registered: 11th Sep 06
Location: Hazlemere, Buckinghamshire
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1st Nov 12 at 12:50   View Garage View User's Profile U2U Member Reply With Quote
I don't never heard of a company that does. It's your combied total milage.
gazza808
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Registered: 30th Jun 08
Location: Peterborough
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1st Nov 12 at 12:54   View User's Profile U2U Member Reply With Quote
I've got 5k business miles on mine,
Made no difference to the price with admiral.
shaunmods
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Registered: 12th Mar 07
Location: Glascote, Staffordshire
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1st Nov 12 at 15:38   View Garage View User's Profile U2U Member Reply With Quote
I've got unlimited business miles on mine through Brentracre. Made hardly any difference to the price
spencer88
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Registered: 6th Oct 08
Location: cornwall
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1st Nov 12 at 15:39   View User's Profile U2U Member Reply With Quote
Adding business use to mine didn't even make the price go up.
sc0ott
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Registered: 16th Feb 09
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1st Nov 12 at 16:33   View User's Profile U2U Member Reply With Quote
quote:
Originally posted by Corsa_Sport21
Do you need to state a total mileage for business use??

Or is it all included in the total annual mileage??

Im down for 8k per year, but don't do anywhere near that. Even with her using it for work, we probably still won't go over 8k.


Tell them 2k will be business and 6k pleasure

 
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