Business use included.

Discussion in 'Motorhome Insurance General Discussion' started by zaskar, Feb 8, 2016.

  1. zaskar

    zaskar Funster

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    Our employers insist on us having business use included in our policy and require paper proof.

    Does anybody have business use included in their motorhome policy and if so, could I please ask company & price difference for the inclusion.

    We have a 2000 Citroen Berlingo based Romahome Duo which we also use as our "daily driver" (no commuting, just shops & sightseeing).

    SAGA insist that they cannot include business on our policy as it is a leisure vehicle but surely, thete must be pips out there also using their vans as a mobile office etc?
     
  2. Figaro

    Figaro Funster

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    Tricky, you probably need a decent broker to advise.
    AIB are very helpful might be worth a call
     
  3. Camdoon

    Camdoon Funster Life Member

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    Comfort used to include it without asking. I renewed in October and told them that I was retiring this month and they knocked the Business Use off but no change in price.
     
  4. Big bus man

    Big bus man

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    Older policies used to give the option 'To and from your place of work' or 'Business use', these days it is a requirement for companies to demand business use and most insurance companies I believed offered it as standard, I am with Direct line with both car and my van and have no problem. As you use your vehicle as a daily driver I would contact your insurer and get them to confirm your cover, you will need to anyway as your employer may wish to photocopy your document for their files, it should not cost you anything, the only alternative is to park your vehicle on public land and walk in.
     
  5. sweetie

    sweetie Funster

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    We used NFU for 10 years while working. Covered fully comp business use covered trailer we where towing as well.
    But changed to comfort when retired as premium a lot cheaper.
    That was 4 years ago so can't remember difference in cost.
     
  6. Gizmouk

    Gizmouk Funster

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    Changed to Comfort Insurance last year.
    Comes with Class 1 Business Use
     
  7. chaser

    chaser Funster

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    Nfu, business use no probs, that's mostly what they do(y)
     
  8. zaskar

    zaskar Funster

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    Very many thanks all. Will try all of the above suggestions for the best quote.

    Cheers.
     
  9. TheCaller

    TheCaller Funster

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    Same here. Not the cheapest, but good service. But the cheapest of anything is rarely good value. No idea how much less it would be without business use I'm afraid, never not had business use. Not a huge difference with them, I suspect.
     
  10. Famousgrouse

    Famousgrouse Read Only Funster

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    NFU wouldn't even give a quote a member of the armed forces who also wanted business cover. It wasn't deemed an acceptable risk... They haven't grasped the concept of not being disadvantaged purely based on ones decision to serve. These and other insurers need to take a long hard look at themselves and their (I'm being kind here) unthouhtful policies.

    I'd encourage everyone to give them a wide berth.

    My first post is abit of a rant, but I can't sit back and see praise about an insurer who break the spirit of the armed forces covenant, if not the letter of legislation.
     
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  11. Mattyjwr

    Mattyjwr Funster Life Member

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    Out of interest, does your work involve any driving? If not, why are they demanding business cover on your insurance? Shouldn't they be paying the extra if they are requiring something that is not necessary for your job? If you were required to drive for work, most people would get a mileage or company car allowance that compensates for the increase in insurance costs, fuel & wear & tear etc.
     
    Last edited: Feb 8, 2016
  12. chaser

    chaser Funster

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    I thought the army had their own insurance firm.
     
  13. Dorset Diver

    Dorset Diver Funster

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    Speak to NFU Chichester branch, they tend to specialise in MH insurance and I am sure they will be able to help you, however, unless you actually use your van for business purposes I cannot see why you employer has the rule.
     
  14. Famousgrouse

    Famousgrouse Read Only Funster

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    There are insurance firms which cater to the military, often uncompetitive though. Firms like NFU who market themselves as long established, thoughtful firms aren't quite as thoughtful as perhaps they should be.
     
  15. Puddleduck

    Puddleduck Funster

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    My work didn't include driving but business insurance was required on all employees, with proof, by the employer. There was no mileage nor car allowance. When I queried I was told it would be discriminatory if only certain staff members had to pay for business insurance on their cars.

    Use of a car was also a requirement of employment. Not so good for the depute manager who lived next door to work. She tried to get round it by saying she would hire a car if she needed to but that wasn't good enough for the area manager. The depute, as a matter of principle, took legal advice. The company claimed that use of a car in an urgent situation would be part and parcel of every employees role due to the nature of the work (care industry - urgent = having to take a client to the GP or hospital). My take was that if it was urgent we would call for help and in an emergency call an ambulance. We did NOT go to service users homes but were centre based. My business insurance excluded having a client as a passenger in my car.
     
  16. pappajohn

    pappajohn Funster Life Member

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    Dont know what your business is or who employes you but if my employer told me to include business cover on my private vehicle I'd tell him to pay for it or jump.
     
  17. Puddleduck

    Puddleduck Funster

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    My last three employers have insisted on it PJ. I suppose telling them to take a leap would depend on how easy it was to get another job.
     
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  18. Mattyjwr

    Mattyjwr Funster Life Member

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    Sounds like laziness on behalf of the company; they should only expect those that are likely to require use of their car for business to prove that they are covered. Would the office cleaner / caterer / admin staff etc. require business cover for their car insurance? If there were urgent needs to go medical care, then an ambulance is required; a carer cannot administer care while driving. Similarly, if a visit to a Drs is required, a taxi can be used if the member of staff dealing with the client doesn't have business cover.

    I have had business cover on my vehicles but haven't had to pay any extra; they just wanted to know what I would be using it for - in my case, driving between work centres and not carrying any items of commercial sensitivity / value.
     
  19. Puddleduck

    Puddleduck Funster

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    There was no cleaner / caterer or admin staff, as a training centre those roles were built into the training - which meant that a staff member had to check what the trainee had done, correct or redo as required. I totally agree with the urgent care but it fell on deaf ears.
     
  20. Big bus man

    Big bus man

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    Business cover should not cost any more. I am only guessing that the reason an employer requests this cover is because their own insurance will not cover your vehicle if damaged on their property, like car parks you park at your own risk. I think I am right in saying your own insurance does not cover you on a fully comp basis should you have an accident on private land so business cover fills that gap at work at least.
     
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