General Chat

does any one know.....
on the car insurance certificate......

if it says
social, domestic and pleasure.........and on the exclusions it says Not for for hire or reward..........I understand you cant use it for being a taxi.

but supposing some one asks for help say in moving an item of furniture, or white goods.....or maybe delivering newspapers...............how do you really stand on that?

and they are going to make it worth your while..........

Common sense says that if you are doing it as a friend, and not as a business, that should be fine. If they offered a small sum to cover petrol/wear and tear, that is a private arrangement. I'd make it clear that it (heaven forbid) you had an accident and their items were damaged, you could not be held personally responible, but would claim under your insurance....at their own risk if it is rejected.

In the depths of memory, isn't there something about car sharing (commuting) and a small remuneration being acceptable?

I dont think delivering newspapers would be covered, but helping a friend to move a piece of furniture should be OK.

Agree about the newspapers if for a commercial/retail operation and for payment for delivery. But if you were helping out a child/grandchild who is delivering them locally, then it should be OK. Been there -done that - got the newspaper print on the upholstery!

Tricky topic! If you wanted to dot the i's, coud you risk phoning the insurance company? In my mnd, if the events were one off to help a friend, there shouldn't be a problem, but if a weekly/daily occurance to help an adult, that is employment and a different kettle of fish.

Yep DET methinks I'll ask me broker,
I suppose that if there WAS a case the insurance co. would likely do their best to wiggle out of it!!

I bet that there are many peeps that have been asked by their boss, could you run "this" round to freds,( or who ever) or even asked to use their car while going out on a company business? maybe even post letters on the way home?

years ago we used to get 6d/mile at one firm I worked for......

Hi Bob,

Helping a friend where you do not receive payment is covered under s.d.&p.
Delivering newspapers- or pizzas is commercial and NOT covered.

Use of your car in connection with any business is again, commercial, and NOT covered.

Bob
Ask your broker about it. He can add a clause allowing use for deliveries. If you don't have that then not only could the company wriggle out of a potential claim but the boys in blue could also be interested.
Our policy states that it is for the policy holder's own business as well as the others, so if it's someone else's business then that needs mentioned. I don't think it will cost much more, if anything, it may depend on the company.
I know a lady who works as a merchandiser and carries stock. Her policy didn't cost any extra to have the clause inserted.

it appears(from my broker) that the policy I currently have is not able to be modified to allow deliveries of this type, ie newspapers or laundry(which is what the query is all about) collections/deliveries, the only way out for me is to cancel my current policy, take out a new one to cover the period required(3 weeks), and then cancel that one and take out another..............

dont think i'll bother doing the temp job.......tooo much hassle

Bob

That's a real shame.

Perhaps the employer or the person you are standing in for has a business insured vehicle they could temporarily put you? Just a thought which would probably work out cheaper than any cancellation fees you might otherwise incur.