Inflexible free insurance - help please

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Tue 13 May 2003 12:18
Inflexible free insurance - help please - peterb
We need to get a car for Mrsb as she can't drive my company car on business (she's a slf-employed classical musician). Mrsb has been driving for 2 years (no claims or accidents).

She's test-driven the Yaris and really likes it. A (very efficient) local dealer has agreed to match the price of ukcarbroker.co.uk so all should be well.

However, being a cautious sort I asked the dealer whether the insurnace would cover Mrsb's business travel and was told it wouldn't. (The insurance is being done thoguth Toyota Financial Services.)

I'm now not sure what to do. She likes the car so we'll probably get one, but I don't know whether to:

a) try to discuss the situation with Toyota FS and see anything can be done;
b) take the free insurance for myself and get a second, separate policy for Mrsb (not sure if this is possible and, if so, whether it would be any cheaper);
c) try to negotiate something instead of the insurance such as mats or free service: however since it's not the dealer offering the insurance I suspect this won't help;
d) just swallow the fact we can't have the insurance.

I'm trying to get hold of the terms and conditions of the isnurance. In the mean time, any ideas?

Thanks in advance.

Peter
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Tue 13 May 2003 13:11
Inflexible free insurance - help please - Altea Ego
Take the insurance, and then negotiate with the insurance company Toyata have placed you with.
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Tue 13 May 2003 15:49
Inflexible free insurance - help please - peterb
Panic over (possibly). I spoke to Toyota FS directly and they said both me and my wife could use it for business. They're sending me written details.

Peter
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Tue 13 May 2003 19:41
Inflexible free insurance - help please - Mark (RLBS II)
Check the wording of their letter very carefully and look at excluded or limited occupations. Business cover for a freelance musician is unusual and tricky. You need to be careful.
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Tue 13 May 2003 17:45
Inflexible free insurance - help please - Harmattan
Business cover was not a problem on my one experience of this with Peugeot cover. However, I didn't renew with the company (Landmark) because the deal meant most other things were extra or a bit more premium was needed for proper windscreen cover or a green card.

On another tangent. I'm sure you have checked that Mrs B's tools of the trade tuck away safely out of sight in the Yaris. I ask because I once sold a SAAB 99 two-door saloon to a youngster who needed an automatic. He was a jobbing drummer with Adam Ant, which dates me somewhat, and needed to get his kit to gigs. Frankly, I couldn't see how it would work without piling them on the back seat but I guess the autobox was his priority as well as a low price since he was on a basic wage.
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Tue 13 May 2003 17:50
Inflexible free insurance - help please - J500ANT
Most of the free insurances are done by the Direct Line group, and AFAIK the ones that ive read the small print on offer business use included. The Toyota dealer should have details of a number to contact and ask these questions. As part of the Direct Line (or UK Insurance) scheme they also offer an increased (accelerated) NCD, so at the end of the years free cover if you renew with them they give you the maximum NCD for the time youve been driving. BUT you dont get the "drive another car as third party" type cover nor do you get legal cover AFAIK.

Tony
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