driving your own car on delivery

[postmandick]

If you use your own car on delivery you must ensure it is taxed MOTed and insured

The insurance company must give you permision to use your car for comercial use if not the police will seize it and
charge you a daily storage rate and also pros you for No insurance.

6pts and £250

[alan84]

Dont do it. Stop using your car. Why should we waste money on petrol and extra insurance when they have vans to drop us off. I dont use my car anymore and wont do again

[cyclemech1]

This one's a wind up - right?

[postmandick]

Sorry but no wind up

once the police cotton on to the fact that postmen use there cars to get to there delivery point they will pounce

its easy pickings for Plod another tick in there book and an easy one at that

can you afford to get 6 Pts on your license

[alan84]

Sorry but no wind up

once the police cotton on to the fact that postmen use there cars to get to there delivery point they will pounce

its easy pickings for Plod another tick in there book and an easy one at that

can you afford to get 6 Pts on your license

I cant only had my licence for year an half so would be an instant ban for me

[cyclemech1]

Sorry but no wind up

once the police cotton on to the fact that postmen use there cars to get to there delivery point they will pounce

its easy pickings for Plod another tick in there book and an easy one at that

can you afford to get 6 Pts on your license

Sorry Dick mate but if you check all the 'using your own car on delivery' threads on here you'll realise why we thought it was a wind up!

Incidentally, no I don't use a car, I use my trusty RM bike.

[opgpat]

You must also have permission from DOM and if use as a bag drop additional permission for that. Get it in writing.

[IcanthelpthewayIam]

Right am going to ask a couple of questions, might seem a bit dumb, and I do know the answers and have posted them a couple of times, but I would like to see what replies I get, so

Why do I need business insurance?
And what type of business insurance will cover me?
And roughly how much will it cost?
And lastly does it need to be added as an endorsement on my insurance certificate?

[ronpetetrevchris]

Right am going to ask a couple of questions, might seem a bit dumb, and I do know the answers and have posted them a couple of times, but I would like to see what replies I get, so

Why do I need business insurance?
And what type of business insurance will cover me?
And roughly how much will it cost?
And lastly does it need to be added as an endorsement on my insurance certificate?

All excellent questions, the trouble is no-one really knows for sure, and thats where the problem lies.
You need some type of business insurance because you are using your vehicle other than coumuting to work, what ,?we dont know. Somehave basic business at a very small cost, and then rely on the RM cover to bail them out, but in true RM style that document is very grey.

I asked my dom to clarify and put in writing that he would cover anyone who used their vehicle for anything other than transport to the first delivery point (who didnt have courier insurance (approx £400 more)) funny thing that letter never appeared.

[saunders265]

Sorry to poke my nose into your business – I am work on a Crown Post Office Counter. I cannot believe that anyone would be daft enough to use their own car unless they were one hundred percent; copper bottom guaranteed they were covered. Given that you are talking about Insurance Companies/Royal Mail Group I would suggest that you would need the guarantee signed in Mr Crozier’s own blood. And what about ‘wear and tear’?

Like my colleagues who work at Crown Offices, I have some basic knowledge about Car Insurance and if you take my advice I would keep well clear.

[not me]

Sorry to poke my nose into your business – I am work on a Crown Post Office Counter. I cannot believe that anyone would be daft enough to use their own car unless they were one hundred percent; copper bottom guaranteed they were covered. Given that you are talking about Insurance Companies/Royal Mail Group I would suggest that you would need the guarantee signed in Mr Crozier’s own blood. And what about ‘wear and tear’?

Like my colleagues who work at Crown Offices, I have some basic knowledge about Car Insurance and if you take my advice I would keep well clear.

i was out my my MTB the other day
going through the delivery area of a nearby DO
theres a postie unloading mail from his car
i can see the pouch not too far away from where he hwas parked
this is an office that refused savings and went through EA

[DGP1]

Right am going to ask a couple of questions, might seem a bit dumb, and I do know the answers and have posted them a couple of times, but I would like to see what replies I get, so

Why do I need business insurance?
And what type of business insurance will cover me?
And roughly how much will it cost?
And lastly does it need to be added as an endorsement on my insurance certificate?

http://www.life-assurance-bureau.co.uk/ ... ss-use.htm" onclick="window.open(this.href);return false;
Can I use my car for business use?

Class SDP
This class of motor vehicle use is for the policyholder and Named Drivers only using the vehicle for social, domestic and pleasure. Commuting or business use is not included and all claims rendered during the vehicle is used for business use will not honoured. Exclusions include, racing, pace-making, competitions (other than treasure hunts), rallies, speed testing or use for any business purpose or travel between home and a permanent place of business.

Class S
This class of motor vehicle use is for the policyholder and Named Drivers using the vehicle for travelling to and from one permanent place of employment. Use for social, domestic and pleasure purposes including travel between home and a permanent place of business is also included. This class of motor vehicle use excludes use for hiring, racing, pace-making, competitions (other than treasure hunting), rallies, speed testing or for any business purposes.

Class 1
This class of motor vehicle use is for the policyholder or spouse using the vehicle to travel to several places of employment. Named Drivers are provided with only social, domestic and pleasure use only use cover. Use for social domestic and pleasure purposes by the Insured (and Spouse)* in person in connection with his/her own business or profession. Excludes use for hiring, racing, pace-making, competitions (other than treasure hunts), rallies, speed testing or commercial travelling.

Class 2
This class of use is for the policyholder using the vehicle to travel to more than one place of work. Spouse and Named Drivers also have this cover only when using the vehicle in connection with the policyholder business. Use for social, domestic and pleasure purposes and for the business of the Insured and the Insured's employer or partner. Excludes use for hiring, racing, pace-making, competitions (other than treasure hunts), rallies, speed testing or commercial travelling.

Class 3
This class of use is for the policyholder using the vehicle to travel to more than one place of work and includes commercial travelling. Spouse and Named Drivers also have this cover only when using the vehicle in connection with the policyholder business.

This would include such occupations as salesmen or someone who may 'coldcall' to solicit orders other examples would be researchers. Use for social, domestic and pleasure purposes and for the business of the Insured and the Insured's employer or partner. This form of cover, excludes use for hiring, racing, pace-making, competitions (other than treasure hunts), rallies, speed testing.

[OnAFlyer]

Right am going to ask a couple of questions, might seem a bit dumb, and I do know the answers and have posted them a couple of times, but I would like to see what replies I get, so

Why do I need business insurance?
And what type of business insurance will cover me?
And roughly how much will it cost?
And lastly does it need to be added as an endorsement on my insurance certificate?

RM's insurance covers you for driving to your delivery, storing mail in your car and moving it along the delivery route. I have all this in writing in a pack we were given a couple of months ago when we also took the drivers test and had our document/car checks, so non-drivers needn't pipe up saying i'm wrong.

BUT - it is only 3rd party cover, so if something happens to your car you won't get anything for it. So anyone using their car should have their own business cover. Phone your insurance company and tell them what you're using it for so there is no doubt you are covered.

RM's insurance also DOES NOT cover you for going out of your way to drop another postie off or their bags, or for delivering parcels from your car. (neither will personal business cover) - So if your manager/dom ever asks tell them to stuff it.

It costs me and my girlfriend about £20 a year extra for 2 cars - we need business insurance anyway as she uses them for her job.

And your insurance company will send conformation in writing that you are covered.

Or you could just not use your car, personally i'm not too keen on sitting on walls in winter waiting for drivers to turn up - i'd much rather have a break and some hot soup from a flask I leave in the car.

/thread.

[IcanthelpthewayIam]

Right am going to ask a couple of questions, might seem a bit dumb, and I do know the answers and have posted them a couple of times, but I would like to see what replies I get, so

Why do I need business insurance?
And what type of business insurance will cover me?
And roughly how much will it cost?
And lastly does it need to be added as an endorsement on my insurance certificate?

RM's insurance covers you for driving to your delivery, storing mail in your car and moving it along the delivery route. I have all this in writing in a pack we were given a couple of months ago when we also took the drivers test and had our document/car checks, so non-drivers needn't pipe up saying i'm wrong.

BUT - it is only 3rd party cover, so if something happens to your car you won't get anything for it. So anyone using their car should have their own business cover. Phone your insurance company and tell them what you're using it for so there is no doubt you are covered.

RM's insurance also DOES NOT cover you for going out of your way to drop another postie off or their bags, or for delivering parcels from your car. (neither will personal business cover) - So if your manager/dom ever asks tell them to stuff it.

It costs me and my girlfriend about £20 a year extra for 2 cars - we need business insurance anyway as she uses them for her job.

And your insurance company will send conformation in writing that you are covered.

Or you could just not use your car, personally i'm not too keen on sitting on walls in winter waiting for drivers to turn up - i'd much rather have a break and some hot soup from a flask I leave in the car.

/thread.

Onaflyer got to say quite a good reply their from you, but you missed out a few points,

business insurance will cost you about £20 quid extra per year, BUT as soon as you put your mail pouch in that car even if it is only to travel to your first delivery point your insurance will most likely be invalidated, standard business insurance does not cover the transport/storage of mail under any circumstances, to be able to get cover for this even if its only to get to your first delivery point, you need to call your isurance company and advise them of exactly what you are doing, they must then put an non standard endorsement on your insurance policy stating that the vehicle is covered for the carriage of mail, the company simply telling you it does is in fact incorrect as the small print on the full terms of insurance will 99.999% of the time override this

its sort of like using your car for a taxi, you cant simply call your insurance company and say you want business insurance and then expect it to be covered for use as a taxi, Mail deliveries, Taxis, Couriers are all specialist insurance policies which cost an absolute fortune, thats why rm have set up the bond instead and as you say it only covers you for third party damage, so my advice is this

You dont need business insurance as it will cost too much to get the cover you are actually looking for.
rm's bond may cover you if you choose to use your own car(am not getting into the legal minefield that exists there)
the cost of business insurance is prohobitve to make it worth while(you will be looking at thousands)
if your insurance company tells you that it is covering you, even if you are only travelling to your first deliver point, ask for it in writing detaling exactly that and then watch them change their tune, the company simply stating the policy covers business use is not enough as the full terms and conditions in nearly all policies i have seen state that carriage of mail is prohibited even for business use

[IcanthelpthewayIam]

Right am going to ask a couple of questions, might seem a bit dumb, and I do know the answers and have posted them a couple of times, but I would like to see what replies I get, so

Why do I need business insurance?
And what type of business insurance will cover me?
And roughly how much will it cost?
And lastly does it need to be added as an endorsement on my insurance certificate?

http://www.life-assurance-bureau.co.uk/ ... ss-use.htm" onclick="window.open(this.href);return false;
Can I use my car for business use?

Class SDP
This class of motor vehicle use is for the policyholder and Named Drivers only using the vehicle for social, domestic and pleasure. Commuting or business use is not included and all claims rendered during the vehicle is used for business use will not honoured. Exclusions include, racing, pace-making, competitions (other than treasure hunts), rallies, speed testing or use for any business purpose or travel between home and a permanent place of business.

Class S
This class of motor vehicle use is for the policyholder and Named Drivers using the vehicle for travelling to and from one permanent place of employment. Use for social, domestic and pleasure purposes including travel between home and a permanent place of business is also included. This class of motor vehicle use excludes use for hiring, racing, pace-making, competitions (other than treasure hunting), rallies, speed testing or for any business purposes.

Class 1
This class of motor vehicle use is for the policyholder or spouse using the vehicle to travel to several places of employment. Named Drivers are provided with only social, domestic and pleasure use only use cover. Use for social domestic and pleasure purposes by the Insured (and Spouse)* in person in connection with his/her own business or profession. Excludes use for hiring, racing, pace-making, competitions (other than treasure hunts), rallies, speed testing or commercial travelling.

Class 2
This class of use is for the policyholder using the vehicle to travel to more than one place of work. Spouse and Named Drivers also have this cover only when using the vehicle in connection with the policyholder business. Use for social, domestic and pleasure purposes and for the business of the Insured and the Insured's employer or partner. Excludes use for hiring, racing, pace-making, competitions (other than treasure hunts), rallies, speed testing or commercial travelling.

Class 3
This class of use is for the policyholder using the vehicle to travel to more than one place of work and includes commercial travelling. Spouse and Named Drivers also have this cover only when using the vehicle in connection with the policyholder business.

This would include such occupations as salesmen or someone who may 'coldcall' to solicit orders other examples would be researchers. Use for social, domestic and pleasure purposes and for the business of the Insured and the Insured's employer or partner. This form of cover, excludes use for hiring, racing, pace-making, competitions (other than treasure hunts), rallies, speed testing.

The only 2 policies i have seen that cover the carriage of mail, were both class 3 policies and they cost a fortune and i have seen a fair few insurance policies