The big exclusion from social insurance is commuting. If you ever use your car to get to work, even if you usually walk, cycle or take public transport, you will need social and commuting cover . If you don't arrange commuting cover and you have a prang on the way to the office, your insurer could refuse to pay out.
Work journeys that go beyond commuting are treated differently. If you intend to use your own vehicle as a substitute for a company car, business insurance is needed.The first thing you need to know is that there's more than one type of business insurance, and the kind you need will depend on the type of business journeys you make.is the most basic. This will cover you for the odd trip to visit head office or a client, but not if you are repping every day.
If in any doubt, call your insurer, describe the type of journeys you'll be making and how often, and see what they advise.It's worth understanding the differences between business insurance and commercial insurance. If you carry people or goods, commercial insurance may be a better fit than any of the three classes of business insurance.
If in doubt, talk to your insurer or an insurance broker who will be able to find you the most appropriate type of cover.Quite likely. If you start to use your own car at work, there's more than just the additional cost of insurance to consider – you'll also be putting more miles on the car and getting through consumables, such as tyres, at a faster rate.
than running your own car; not having to worry about insurance for your company wheels is another one of the perks.
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