Who pays for business car insurance if an employer wants you to drive for the company? - HotUKDeals
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Who pays for business car insurance if an employer wants you to drive for the company?

Benjimoron Avatar
6y, 5d agoPosted 6 years, 5 days ago
As title, employer wants business cover so I can drive for the company, phoned insurance company and it costs approx £60 a year, fair enough. But employer doesn't want to pay for it, says it should be free?

Why on earth would they give business insurance for free? Is that something that lots of insurers offer for free? Who should pay for it?
Benjimoron Avatar
6y, 5d agoPosted 6 years, 5 days ago
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[mod]#1
Sounds like your boss has an IQ in the minus figures...........hope he's not in charge of paying you. X)
#2
Will your employer be paying you a mileage allowance? If so the mileage allowance is supposed to be enough to cover petrol, wear and tear on your car, proportion of road tax, insurance etc. But if he will only be paying you basic petrol then its usual for the employer to pay the extra insurance.
#3
I've always found that adding Business use to the insurance makes no difference to the cost of the policy, as long as you're doing less than 2k miles p.a. for work.

That's through More Th>n, Tesco, RAC and Lloyds TSB.

If I did have to pay, I'd be asking my work to cover the amount. Either that, or asking for use of a company car when needed.
#4
kidcat
Will your employer be paying you a mileage allowance? If so the mileage allowance is supposed to be enough to cover petrol, wear and tear on your car, proportion of road tax, insurance etc. But if he will only be paying you basic petrol then its usual for the employer to pay the extra insurance.


Well, they pay a mileage figure that includes extra for wear and tear etc, not just the petrol. But, if I only did 100 miles in the year then it wouldn't cover it. I wouldn't be doing a massive amount of miles.
#5
midlandscomics
I've always found that adding Business use to the insurance makes no difference to the cost of the policy, as long as you're doing less than 2k miles p.a. for work.

That's through More Th>n, Tesco, RAC and Lloyds TSB.

If I did have to pay, I'd be asking my work to cover the amount. Either that, or asking for use of a company car when needed.


Sounds fair, I took the cover I got because it was a good price. If I switch to another to get "free" business cover then it'll cost me more anyway. There's no such thing as a free lunch.
#6
Theres lots of employers who will attempt to get you to use your car for business. Helps them as less spent on pool or company cars.
But you may not be covered on your personal insurance. Also remember the extra mileage and wear and tear to your vehicle. Quicker service intervals etc.
#7
I have to pay for mine - I get compensated with a miserly mileage allowance - but hey ho - it's a job.
#8
It depends does your employment contract state you must have valid driving license and car? if so you may indeed have to pay for business insurance, if it doesn't than you dont have to use your car for work and do not require business insurance.

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