|
For the Insurance experts out there, what on earth is Commercial Travelling. We have Class 2 business use on both of our cars (well all 3 at the moment!!), but it mentions about "Commercial Travelling", but I can't find what this means exactly - anyone give a simple version of what they are excluding please.
|
Not sure nowadays, but it used to be carrying goods for sale in the vehicle. Parts of the web say:-
Noun 1. commercial traveller - a salesman who travels to call on customers
|
From the Oxford reference library
1. commercial traveller n. (100%)
Brit. dated a travelling sales representative.
--
Alyn Beattie
I\'m sane, it\'s the rest of the world that\'s mad.
|
|
From an insurance point of view there is a difference between 1) personal travel to/from workplace 2)travel on company business to other locations and 3)travel from customer a to customer b to customer c etc. in the course of selling. You need to be sure that you have told the insurance company what the driver is undertaking.
|
And possibly carrying items on behalf of the company makes an added distinction.
I have heard of an insurance company that said if you took work home with you (eg in a briefcase) then you were using the car in connection with the business, not just commuting to work.
|
It's always been understood, to the best of my knowledge, to refer to someone who uses a vehicle to visit customers or clients in the course of selling products or services provided by his/her employer.
Goods don't necessarily have to be carried these days as brochures, laptop presentations etc are acceptable substitutes.
- - - - - - - - - - - - - - - - - - - - -
What\'s for you won\'t pass you by
|
PS
My late father used to sell injection moulding machines over a period of about 10 years - somewhat difficult for him to have carted the "goods" around to show his clients...:-)
- - - - - - - - - - - - - - - - - - - - -
What\'s for you won\'t pass you by
|
So I'm basically a travelling salesman (although I have a much grander job title) and my company insists on us having Class 1 cover. I visit 2-4 companies a day, but don't carry goods.
I've always thought that commercial travelling is where you'd be going almost door to door, showing samples and taking orders.
I found this, with a quick Google:
-------------
Business Use
If the car is being used in connection with work, either to visit clients or more than one place of work, the client will need a level of business cover.
Class 1
It is only the Regular Driver and Spouse who may have business use class 1. Business cover does NOT extend to cover any other named drivers on the policy, although the named drivers may still use the car for social, domestic and pleasure purposes.
Class 2
Class 2 covers named drivers and the RD/Sp business use. The named drivers only have the business use cover when they are driving the car in connection with the business of the main driver, They do NOT have cover if they are driving for the business of a different employer.
Class 3
Class 3 use provides business cover for the transportation of light goods, which have already been purchased, for example, pizzas or flowers. The driver who needs cover while selling services on a "door to door" basis will be covered by this option.
-------------
Class 3 is confusing - if you're selling goods door to door, then they can't have already been purchased (otherwise that would be simply delivering goods)?
|
|
|
|
|
There seems to be alot of amiguity with the term. As I said we have class 2 for both me and swmbo to use the cars in connection with our respective businesses, now my business means I need to call on clients so could come under class 2, but if I spot a potential new client and leave them a brochure etc then that trip could become "Commercial Travelling" - or thats my take on it judging by the answers provided so far (many thanks). I suppose the best way to go is to get clarification from the insurance comapny as to what exactly they mean.
|
There seems to be alot of amiguity with the term. As I said we have class 2 for both me and swmbo to use the cars in connection with our respective businesses, now my business means I need to call on clients so could come under class 2, but if I spot a potential new client and leave them a brochure etc then that trip could become "Commercial Travelling" - or thats my take on it judging by the answers provided so far (many thanks). I suppose the best way to go is to get clarification from the insurance comapny as to what exactly they mean.
In your case it's not the commercial travellig aspect I'd be concerned about, but whether your covered for business use for 2 different business's. Otherwise, you would seem to only need Class 1 cover.
|
|
|
|
