Business use car insurance?

Gaz · 01-12-16, 12:01 AM

I maybe starting a new job on the 7th and it involves me driving two care workers from house to house as they visit their clients.

The company I will be working for said that I need business class 1 insurance.. So I rang up my insurer swiftcover , who I then told them about my new job and that I needed business use on my policy.

I explained what my job involved ( driving the care workers and waiting around outside in the car ) And the guy on the phone said that will be fine, and he proceeded to add buissness use to my policy.

But since looking on my updated policy , it says :

Class of use:
Social & Business (you or your spouse or partner)

and on the certificate it now reads:

a) Use for social domestic and pleasure purposes.
b) Use by the policyholder in person in connection with the business of
the policyholder.
c) This policy does not cover use for commercial travelling.

But my concern is, there is no mention 'specifically' of 'Business Class 1'

Should I be concerned? Even though I described to him the nature of the business use over the phone?

Philip · 01-12-16, 07:49 AM

Best to check with your broker/insurer, but it reads correct to me.
I have "Class 1 Business use" and wording has always been similar to yours and always excludes "commercial travelling"

Minty · 01-12-16, 09:07 AM

I too have business use & that wording is familiar.

Refer it to your forthcoming employer for advice before trying to argue unusual wording with the broker

vagdream · 01-12-16, 10:33 AM

That is exactly the how the cover endorsement should read for business use.

cjp0349 · 01-12-16, 04:33 PM

Gaz...Thread drift but I'd be very interested to know what was the final result of this thread that you posted a couple of years back now, if you don't mind sharing it with us

http://www.classic-audi.co.uk/forum/...ad.php?t=31514

Although threads such as the above and 'having trouble with.../need advice on...' and the like lead to a lot of debate we very rarely get a final result posted do we?

01-12-16, 09:07 AM	#3
Minty Senior Member Classic Audi Club Member Join Date: Jul 2008 Location: Wirral Posts: 1,528	I too have business use & that wording is familiar. Refer it to your forthcoming employer for advice before trying to argue unusual wording with the broker __________________ 1984 GT5E Topaz Green 1982 GT5S Helios Blue - now in Ireland 1983 GT5E Topaz Green - donor 1986 GT 2.0 Tornado Red - long gone 2001 A6 2.4 V6 - exported to Ireland

01-12-16, 07:49 AM	#2
Philip Grown up member Classic Audi Club Member Join Date: Feb 2009 Posts: 90	Best to check with your broker/insurer, but it reads correct to me. I have "Class 1 Business use" and wording has always been similar to yours and always excludes "commercial travelling"

01-12-16, 10:33 AM	#4
vagdream Grown up member Join Date: Jul 2015 Location: Llandudno Junction Posts: 165	That is exactly the how the cover endorsement should read for business use.

01-12-16, 04:33 PM	#5
cjp0349 Senior Member Classic Audi Club Member Join Date: Aug 2014 Location: Lune Valley, North Lancashire Posts: 1,744	Gaz...Thread drift but I'd be very interested to know what was the final result of this thread that you posted a couple of years back now, if you don't mind sharing it with us http://www.classic-audi.co.uk/forum/...ad.php?t=31514 Although threads such as the above and 'having trouble with.../need advice on...' and the like lead to a lot of debate we very rarely get a final result posted do we?