LV insurance - again...........

[garry55]

Just got our annual multi-vehicle (2 cars and the motorhome) policy renewed for another year.
At the end of the call, the operator asked if either of us used our cars for "delivery purposes".
I queried this and said yes - we deliver friends and family to their houses, food and other necessities to our house, dogs to the beach for walkies etc, but not for financial gain. No problem.
I also mentioned (foolishly, but honestly) that I would be working part-time in the run up to Xmas (as I do every year) helping one of our local businesses with food deliveries, to which I was informed that if I did, our policy would be cancelled.
I went to great lengths to explain that I would be using one of their vehicles, insured on their policy for this, and not my own vehicles as the deliveries had, by law, to be made in a refrigerated vehicle, which neither of our cars are.
I was then informed that if I was to partake of this part-time employment, our policy would be cancelled.
So - no part-time work for me.
Anyone else come across this?

 

[Podney]

I think you were talking to the wrong person! Did you ask why? Sounds utter nonsense to me.

 

[VXman]

should have kept schtum! I do on some silly regulations/T&C's/Rules what ever you call it. Won't talk about them here.

On a side point. Have you ever checked that you multi car policy is actually cheaper than individual ones?. I had multicar with Admirial one year. The following year I got quotes for individual policies with other companies and found them miles cheaper than the multicar one.

 

[Tombola]

I was then informed that if I was to partake of this part-time employment, our policy would be cancelled.
So - no part-time work for me.
Anyone else come across this?

I'd say she didnt listen to you, she assumed you were using your vehicle even after you said.

thats no different than you driving your vehicle to work parking up then being a lorry driver

 

[garry55]

should have kept schtum! I do on some silly regulations/T&C's/Rules what ever you call it. Won't talk about them here.

On a side point. Have you ever checked that you multi car policy is actually cheaper than individual ones?. I had multicar with Admirial one year. The following year I got quotes for individual policies with other companies and found them miles cheaper than the multicar one.

WE use LV because they are one of the few insurers that will provide European cover for our 2007 motorhome.

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[chatteris]

they do have some odd rules, i lost being able to drive someone else's car third party when i went to work in motor trade even though if it was for work it would be on work policy, now only work occasionally but they said would still be classed as employed until i stopped completely

 

[garry55]

I'd say she didnt listen to you, she assumed you were using your vehicle even after you said.

thats no different than you driving your vehicle to work parking up then being a lorry driver

I was tempted to call back and maybe get another operator, but I will do a bit of research over the weekend and give them a call on Monday.

 

[garry55]

they do have some odd rules, i lost being able to drive someone else's car third party when i went to work in motor trade even though if it was for work it would be on work policy, now only work occasionally but they said would still be classed as employed until i stopped completely

What I don't understand is how they would know if I had an accident in the company's van, as the claim would be processed through the company's insurers. I know that there is a database that all insurers can access, but would they really get to know that I had been involved in an accident covered by someone else's policy?

 

[The Wino]

they do have some odd rules, i lost being able to drive someone else's car third party when i went to work in motor trade even though if it was for work it would be on work policy, now only work occasionally but they said would still be classed as employed until i stopped completely

I wonder if that's the problem if you work even part time do you have to tell your insurance you have a change of occupation I bet delivery driver has a higher loading than retired. In a similar vein when I retired my professional indemnity insurance ( which should be in place until all the people I have ever seen at work are 25 years old) became free as long as I do no paid work of any kind. If I do any paid work I have to pay for the indemnity insurance.

 

[Newfie]

Is it because you insured for social, domestic & pleasure only & not travel to & from work extra cost

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[gus-lopez]

I was then informed that if I was to partake of this part-time employment, our policy would be cancelled.

probably because you are not down as 'working'?

What I don't understand is how they would know if I had an accident in the company's van,

you're supposed to tell them about any accident in any vehicle

 

[Figaro]

I think they'll get you on the commuting to a work place thing.
Should have kept schtum

 

[RandallC]

Think you'll find LV don't insure anyone classed as a delivery driver and also musicians.

Re, how would they know if you'd had an accident in a works vehicle?

You would have to lie when asked any accidents, claims or convictions

 

[Ravelin]

Insurance companies are just wierd. Wife called LV to make a couple of changes to our multicar policy on renewal. Hopeful that the renewal price would drop she took off the business cover on her car as she no longer needs it, and dropped the annual mileage on my car from 15 to 13k. Operate asked if we still had 4 cars in household, but as eldest son has moved out we have 3, the two on the LV policy and the motorhome insured separately.

As we now only had a 3 car household the policy cost INCREASED, despite making it clear that neither of us have ever driven or being insured on our sons car. Funnily when the wife said we'd look elsewhere a discount was applied.

As we'd already checked out prices elsewhere we stayed with LV. If I could possibly manage with one less car I would as the costs of running a car seem to have increased massively in the last few years. Oh and don't get me started on the joke of a quote they gave us weeks ago to add my youngest son on to the oldest car as a learner (eventually done on a separate monthly policy at a third of the cost).