gruss
Part of things
Posts: 242
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Apr 29, 2013 18:24:07 GMT
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I'm currently a fully employed mechanic running 2 cars on normal car insurance. We've been having trouble with people trying their best to break into the workshop over the past month or so.
I've got a lot of expensive tools, mainly diaganostic which I can't secure well enough inside my toolbox.
I take these home at the weekend any way but recently have been taking them home every night... My question...
I've been advised that I need buisiness insurance to cover carrying tools in my car?
I do of course do the odd job for family and friends ;-) in my spare time...
I've been offered a cheap corsa van with a blown turbo for peanuts.
Where would I stand if I was to be pulled with a selection of tools in my boot miles away from home?
Is it possible to get 'business' insurance cover on a car policy?
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Daihatsu Mira TR-XX
Suzuki Alto Works
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bl1300
Posted a lot
Posts: 1,678
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Apr 29, 2013 19:31:05 GMT
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Yes you can get business use on a car policy. I am a mobile mechanic and am regularly carrying tools in an estate car. The only stipulation given is that tools are removed from the car over night but I would be doing that regardless.
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Current fleet.
1967 DAF 44
1974 VW Beetle 1303s
1975 Triumph Spitfire MkIV
1988 VW LT45 Beavertail
1998 Volvo V70 2.5
1959 Fordson Dexta
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gruss
Part of things
Posts: 242
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Apr 29, 2013 19:44:01 GMT
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Yes you can get business use on a car policy. I am a mobile mechanic and am regularly carrying tools in an estate car. The only stipulation given is that tools are removed from the car over night but I would be doing that regardless. How much extra did the business policy cost over the normal policy? |
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Daihatsu Mira TR-XX
Suzuki Alto Works
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richp
Part of things
Posts: 246
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Apr 29, 2013 20:36:47 GMT
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My friend changed his policy to business use and it hardly went up at all. 40 quid tops I think.
It wasn't for carrying tools but business use in general which should cover you I'd have thought.
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Last Edit: Apr 29, 2013 20:37:55 GMT by richp
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gruss
Part of things
Posts: 242
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Apr 29, 2013 22:07:48 GMT
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Would it void my current insurance if I was to be pulled whilst on route to replace a friends brake pads for example?
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Daihatsu Mira TR-XX
Suzuki Alto Works
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Apr 29, 2013 22:56:08 GMT
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Ask your insurance company to add it sometimes its free. Technically you are not insured if you are using it for work purposes its usually fast food delivery types that fall foul of this
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Apr 29, 2013 23:15:10 GMT
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Would it void my current insurance if I was to be pulled whilst on route to replace a friends brake pads for example? Very possibly. |
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Mine was actually cheaper for business use? No idea why although I do have access to another vehicle. Its no so much being pulled its having an accident whilst loaded up that will cause you problems, especially if you don't have another vehicle you would have been using had it been a work related trip
Edit just re-read your post, if you are going to/from a fixed place of work then i think you should be ok with just the commuting extension on your policy, ie you wouldn't have to have business use going to work if you took your laptop home with you every night. I would personally ring my ins. co anyway to clarify. Do you have a traders policy at work?
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gruss
Part of things
Posts: 242
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Thanks for the replys, 80% of the time it will be a fixed work address but I do sometimes do a bit of 'extra' work for myself and this is the part I'm a little concerned about.
I'm on works insurance to drive customers cars in the day. But I only have 2 private car policies that cover social pleasure and commuting.
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Last Edit: Apr 30, 2013 6:42:43 GMT by gruss
Daihatsu Mira TR-XX
Suzuki Alto Works
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bl1300
Posted a lot
Posts: 1,678
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Thanks for the replys, 80% of the time it will be a fixed work address but I do sometimes do a bit of 'extra' work for myself and this is the part I'm a little concerned about. This means you need a business use extension as you are commuting between multiple places of work. Carrying tools is ok on a standard policy but you must unload them all from the vehicle before starting work. If you leave just one in the car then you are working from the vehicle and not just commuting. At least that is what the NFU told me when I enquired about it. Better safe then sorry. I don't actually know how much extra it costs me as I didn't ask for any quotes without it. But the quote for my BMW 323 with full business cover was £1500 a year at 23yrs of age. |
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Current fleet.
1967 DAF 44
1974 VW Beetle 1303s
1975 Triumph Spitfire MkIV
1988 VW LT45 Beavertail
1998 Volvo V70 2.5
1959 Fordson Dexta
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gruss
Part of things
Posts: 242
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Apr 30, 2013 17:35:40 GMT
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Ok guys thanks for the advise, I'll see what my insurance says me thinks.
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Daihatsu Mira TR-XX
Suzuki Alto Works
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Apr 30, 2013 18:19:01 GMT
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