Car Insurance

[greannancrafts]

Hi
Apologies if you are all aware of this.

At the weekend I heard of a young girl who did a few craft fairs to supplement her income.
Unfortunately she had an accident in her car - just before Christmas.
It was her fault.
Thankfully no one was seriously injured - however it transpired that as she hadn't informed her insurance company that she did craft fairs- her insurance was null and void.

She had to pay for the damage to the other car and her own

Do please inform you insurance company if you are using your car for any type of business travel - the consequences of not doing so could be grave.
Most insurance companies don't charge any extra or only a few pounds at most.


Jane

[xrheax]

:o

How terrible!

I never even thought of this. I don't do fairs at the moment but I am planning too. I also go to the art shop to get supplies but I go when I am doing my normal shop, I dn't make a special trip.

I think I may phone my insurance company and have a chat with them anyway

Thanks for the info

[beadsbydesign]

It does vary from company to company, but you need to tell them everything you use the car for that is related to your business. As it's been said, it can invalidate your insurance if your car is used in the line of business.

Think about it: do you take parcels to the post office in the car
Do you go to do parties, show, home visits etc.

Often companies will not charge any extra. Better to be honest and insured than find you insurance invaled.

[urbtaf]

I have commercial insurance, and it can work out cheaper than private, Ive never uderstood that as I dont understand a lot about insurance!!!
But I do think that if the girl had argued that doing craft fairs was just a hobby and not a business then she could have come out with a better result.
I do know that if your car is writen off then you have to wait for the 3rd offer before the true value will be offered. May not be true of all companies.

[goldy1]

plus if it is insured as a business vehicle then you can add part of the fuel and up keep as tax delectable? ;)

[urbtaf]

plus if it is insured as a business vehicle then you can add part of the fuel and up keep as tax delectable? ;)

All of it dear, 100% as long as you can show that there is another car for private milage, theres 4 at our house;) and im insured for them all

[ElaineJ]

I've always had "Social and Domestic, Business and Pleasure" since I first had a car - doesn't add to the premium.

[woodtattoos]

Some policies say "Social, Domestic, Pleasure & Commuting"... I wonder if the commuting part is sufficient to cover crafters travelling to the venue of the craft fair, which would be your temporary 'place of work' for the duration of the event?

[nattynetty]

Some policies say "Social, Domestic, Pleasure & Commuting"... I wonder if the commuting part is sufficient to cover crafters travelling to the venue of the craft fair, which would be your temporary 'place of work' for the duration of the event?

In my old job I worked in different schools plus the main office (which was officially my base) and I had to get 'Business' cover for my car insurance. Apparently if I was just working out of the office I would have been fine with the 'Commuting' cover but cos I travelled to other places of work it didn't cover me, I think it only covers you if you're travelling to a permanent place of work if I recall....but I could be wrong.

Tbh if I'd been in this girl's position I think a little white lie about the craft fair being a hobby rather than work might have slipped out of my mouth ;)

[auntynet]

I would have thought that she would have been covered under the commuting to and from work - providing she declares her income from the craft fairs. :confused: :confused:

But then again, what would I know. . . . . I'm just a girl! ;)

[nattynetty]

I would have thought that she would have been covered under the commuting to and from work - providing she declares her income from the craft fairs. :confused: :confused:


Aha just had a thought (it happens sometimes lol) if you're self-employed and are claiming business miles for a journey then perhaps you do need to have business cover for your car insurance :confused::confused::confused:

Agree with others on here though who have said it doesn't cost any extra to add business use to your car insurance.

[urbtaf]

commuting, as far as I know this means just your body. Tools of your trade or stock means the car is being used for business.
Would love to know the companies view on a briefcase, or a teacher takeing kids work back to school

[Moonbeam Angel]

Think I would have told a little white lie and said I was on social and pleasure not business or domestic,

Business is what it is (work).

Domestic is taking the children to and from school and getting the shopping from the supermarket.

Attending a craft fair is pleasurable and social.ising.

Wonder what the insurance company would say about that???


(just in case you wonder why there is a . in the middle of the word so******ing, this is the reason, it keeps putting stars in, any one know why?):confused:

[auntynet]

Why does the forum have a problem with the word "so******ing"?

I think its supposed to read s-o-c-i-a-l-i-s-i-n-g but its blanking out the centre letters as if its a naughty word but I can't think what it might be. :confused:

Or is it cos I is blonde? :mf:

[auntynet]

http://tbn3.google.com/images?q=tbn:8NNPkMdyJPVdxM:http://openclipart.org/people/Anonymous/Anonymous_light_bulb.png (http://images.google.com/imgres?imgurl=http://openclipart.org/people/Anonymous/Anonymous_light_bulb.png&imgrefurl=http://openclipart.org/media/files/Anonymous/7121&usg=__KXTvQRX0gzmpPKpjvJTNaxSHqYs=&h=408&w=406&sz=14&hl=en&start=9&um=1&tbnid=8NNPkMdyJPVdxM:&tbnh=125&tbnw=124&prev=/images%3Fq%3Dlight%2Bbulb%26um%3D1%26hl%3Den%26rls %3Dcom.microsoft:*:IE-SearchBox%26rlz%3D1I7SUNA%26sa%3DN)
UPDATE - I just googled the missing letters and its the name a drug used for men "with problems".

[greannancrafts]

Why does the forum have a problem with the word "so******ing"?

I think its supposed to read s-o-c-i-a-l-i-s-i-n-g but its blanking out the centre letters as if its a naughty word but I can't think what it might be. :confused:

Or is it cos I is blonde? :mf:

I was wondering that yesterday - I wrote something - and it went all starry on me?

Thought I was having a senior moment??

Jane

[Moonbeam Angel]

Well I never did!!!!!!!!! so I cant go socialsing any more because if I tell someone they might think I'm a man in drag with problems taking drugs to put it right!!!!!!!!

Just as well I never go out then isn't it:p




LOL oh look I missed out the i and it didnt star up on me!! yay me for typing too fast hahahahaha:D

[AnnieAnna]

I believe car boots are a grey area. If you just do one to clear out a cupboard it's dismissed as domestic but if you go regulary - to sell -that's a business.
AnnieAnna

[sparkysdad]

I believe car boots are a grey area. If you just do one to clear out a cupboard it's dismissed as domestic but if you go regulary - to sell -that's a business.
AnnieAnna

Indeed it is.. though I would seek clarification from a specific insurer if I was doing a car boot sale.... As mentioned, insurers are slippery.. and will weasel out of paying up.. even if your claim was not as a direct result of your "business".. if there is evidence you are not properly insured, your calim may be reduced or rejected in total.

We have off street parking at the rear of the house, and a van drove in to the back of the car which was parked on the street.. the insurers initially tried to deny the right to claim because we hadnt parked "off street" at the rear of the property!.. took 6 months to sort it all out, but we were "out of pocket" all that time... (NEVER use AA as a broker.. claims handling is Woeful!! :D).