[Slippy]

Does business class 1 cover you for a ladder on roof and bucket and squeegee in car or other power tools in car?   

Does business class 1 cover you for barrels of water say 100 litres on back seat of car?   

I got mixed messages when I called my insurance companies!

One kid said bucket or paint pots, ladders is covered another said business 1 only covers if you have second job which you are travelling to just commuting to this  second job, but not carrying anything to do with work? 

Confused by this.

I suspect that carrying barrels of water (even just 4 25 litre ones)  changes things compared to just a bucket and ladder!

[Mike #1]

Phoning big insurance companies is a pain as lot of advisers ain't got a clue .

Phone the Carterton office of A-Plan they know their stuff and will get you the right cover .

[paulben]

Avviva  just tell them its personal use and for business use got a good price and they paid out quick when I needed them 4 days from accident to money in bank

[paulben]

Don't forget to tell them about roof bars, tow bar etc anything that's not standard prob wont cost anymore but then there is no way out for them if there is a claim .

[Slippy]

If you can't get insured with your car, how would you in trouble?  Would anyone stop and question you if you were working and your car was parked up on the side?   If they pulled you over you could be carrying a ladder and stuff to do unpaid work for you mother!

[paulben]

Never been stopped  and checked .They did check after I was involved in a accident . If it had not been on insurance for work then would have been right in the smelly brown stuff . If you say your just doing it for your mum and you have a car full of scrim etc I don't think they will believe you . If they cannot prove it bet they will keep an eye out for you . Why chance it for a few quid .

[Cookie]

Never been stopped  and checked .They did check after I was involved in a accident . If it had not been on insurance for work then would have been right in the smelly brown stuff . If you say your just doing it for your mum and you have a car full of scrim etc I don't think they will believe you . If they cannot prove it bet they will keep an eye out for you . Why chance it for a few quid .

Totally agree.  Any insurance company will try every trick in the book not to pay out in the event of a claim. Pay a bit extra & then you've one less thing to worry about ....

[Smurf]

Most brokers will do car insurance for business use so it should not be that difficult to sort out surely ?
You would be a darn fool not to get proper insurance cover as your basic car insurance cover would be invalidated if you used it for business anyway so legaly you are not insured to drive the car using it for window cleaning etc.

[matthewprice]

A few lads locally have been done because there insurance did not cover them for travelling to and back from work.cops have the right to stop and check .

[Slippy]

Basically some car insurance companies don't cover tools being carried in a car!  Business 1 insurance covers you for travelling to a different destination, but not with the tools in the car- ladder, couple of barrels etc  So options are-

try and get insurance with Aviva- only company that does it - getting quote is risky as you put all details in and then they know you are working.

Get Business 1 insurance and claim you use customers tools on job and if police stop you they don't read into the policy and find out you aren't covered for tools.

Carry on with domestic and commutation insurance and claim you are off to your mum's for unpaid work- with a few barrels, brush and scrims!

[Smurf]

Donkey years ago I was on the way to a carpet cleaning job when the back end of my estate car was flattened by a box lorry when the driver lost control and he turned it over.  Needless to say the car was a right off and the carpet cleaning kit in the back was too.

If I had not covered the car for business use I would have not been insured so the insurance company would have not pursued the claim on my behalf at all. I could have also got done by the bill as they wanted me to produce my docs after the rtc.

As it happens I did have the right cover so not only did the insurance company pay up for the loss of the car but also paid  up for all the kit that was damaged I was carrying at the time in the car too.

No one could have predicted that day so was a bloody good job I was sensible enough to have the right insurance cover or I would have been right in the crapper.

[paulben]

You could y going through a broker tell them what you want and let them do the work .