I sometimes drive my own car for work purposes - should I insure it for business use or commuting? | Ask Honest John

I sometimes drive my own car for work purposes - should I insure it for business use or commuting?

I work most days in one office, which I commute to by bicycle or public transport. However, sometimes I go to see clients, usually at their home. If I travel to see them in my car (it’s not a company car), am I using my car for business purposes or am I just commuting? I receive expenses from my employer in pence per mile for these trips; these costs are not re-charged to the client.

Asked on 5 February 2018 by

Answered by Honest John

You are using your car for the use of your company's business. As such, you should insure it for that purpose. Ask your employer to provide proof of cover for the use of your vehicle whilst in company employment. If they do, you are fine and do not need to notify your insurer because you have cover in place. If they cannot, you need to either insure it for business use or insist your company hire a vehicle for your use.

Tags: insurance

Similar questions

Is it possible to get repatriation cover while in Europe?

We are taking delivery of a brand new VW campervan and planning on taking it to Europe in September. The VW warranty provides breakdown cover in Europe for 3 years but I don't believe it extends to repatriation...

My brand new car caught fire - who is liable?

My brand new Mercedes-Benz caught fire. It broke down and I didn't get any warning signs on the dashboard so I called Mercedes roadside assistance and they sent the RAC to check my car. After two hours...

Why is my insurer asking for a copy of the V5C?

My granddaughter has just become 17 and is learning to drive. As my wife is no longer allowed to drive we have made her car available for her to learn on but have retained ownership. My daughter has taken...