CARS ON DELIVERY

moanalot · Post by **moanalot** » 28 Jul 2007, 12:40

To all the posties that use their cars on delivery,have you been assured by your Dom that they will pay for any damage to your cars if you have a accident whislt delivering your mail!Or if your cars are broken into and mail stolen!
If so then ignore this message,but my insurance policy only covers me for social,domestic and pleasure(including commuting).
The exact wording is:(use for social,domestic and pleasure purposes and use by the insured for use to and from a permanent place of business.
EXCLUDING:USE FOR ANY BUSINESS PURPOSE(i.e. delivering mail)
Beware if your insurer finds out you policy could nil and void!
Or you could change it and pay a higher premium!

IWW Fellow Worker · Post by **IWW Fellow Worker** » 28 Jul 2007, 12:49

moanalot wrote:To all the posties that use their cars on delivery,have you been assured by your Dom that they will pay for any damage to your cars if you have a accident whislt delivering your mail!Or if your cars are broken into and mail stolen!
If so then ignore this message,but my insurance policy only covers me for social,domestic and pleasure(including commuting).
The exact wording is:(use for social,domestic and pleasure purposes and use by the insured for use to and from a permanent place of business.
EXCLUDING:USE FOR ANY BUSINESS PURPOSE(i.e. delivering mail)
Beware if your insurer finds out you policy could nil and void!
Or you could change it and pay a higher premium!

Nice one! Many people think they are insured for carrying one bag to and from their delivery because this is what they have been told by the screws. I checked up with the local police and they're not. If someone's car gets screwed, I hope they don't come running to the union.

Post by **TrueBlueTerrier** » 28 Jul 2007, 12:52

It could even invalidate the insurance if you have an accident outside of work and during the investigation they find that you stored or carried mail in it. They could say that as you had broken the terms of insurance previously, then you were not covered at the time of the accident.

Its certainly worth checking into if you do insist on using your own car.

madelin4 · Post by **madelin4** » 28 Jul 2007, 12:53

IWW Fellow Worker wrote:
moanalot wrote:To all the posties that use their cars on delivery,have you been assured by your Dom that they will pay for any damage to your cars if you have a accident whislt delivering your mail!Or if your cars are broken into and mail stolen!
If so then ignore this message,but my insurance policy only covers me for social,domestic and pleasure(including commuting).
The exact wording is:(use for social,domestic and pleasure purposes and use by the insured for use to and from a permanent place of business.
EXCLUDING:USE FOR ANY BUSINESS PURPOSE(i.e. delivering mail)
Beware if your insurer finds out you policy could nil and void!
Or you could change it and pay a higher premium!
Nice one! Many people think they are insured for carrying one bag to and from their delivery because this is what they have been told by the screws. I checked up with the local police and they're not. If someone's car gets screwed, I hope they don't come running to the union.

The Dom at ours told us we r insured to the first point of delivery and back to the office.. i have asked for a bike and am waiting for a female one, i have always used my car, i dont want to anymore i think i just got stuck in a rut and it does make life easier for me, its hard enough job for a girl without having to cycle out knacked b4 one even starts.. so i will check up on bike thing and see how i do. i keep drinks and coats in car its handy that way.

Post by **TrueBlueTerrier** » 28 Jul 2007, 13:04

madelin4

i keep drinks and coats in car its handy that way.

I keep a thin waterproof jacket and a 2Lt bottle of drink in my pouch (I don't have a car) and I make sure they are in the bag when I weigh it - no one has told me officially that I can't.

Once when I said I had to work to my time the Lineo said just put more in your pouch and I pointed out it was illegal and that because of the weight I would have to keep going back to the safe drop. He said you cant weight the bag with the drink in it - I pointed out that I am entitled to have a drink with me for H&S reasons and that it must be included as it should be the total weight that I am carrying not just what RM want to include or not. Not sure even now if I was right but they got cover for me and I still weigh the bag with me drinks in it.

Good luck getting the bike - not much use here in Yorkshire far too many hills

madelin4 · Post by **madelin4** » 28 Jul 2007, 13:10

Thanks TBT.. i never thought of weighing the bag with drink in it... very good point.. i must check that out with ones in my office , it is a H@S issue out on the beat walking and loosing body fluid, but they cud turn round and say to us well you shud be taking your break b4 you go out and do all your drinking then? what i find is that if i eat 2 much or drink more than my normal be going out i need the loo!!! i wud take a drink half way round then i know i shud make it back. But they dont think of toilet stuff, my boyfriend said to me that if need the loo go back to office use it then go out again and book overtime when you get back..lol.. i told him i didnt think it wud go down 2 well!! but if wee get more on our duties i.e. 6 walks into 5 and that , the toilet thing cud be a prob...

IWW Fellow Worker · Post by **IWW Fellow Worker** » 28 Jul 2007, 13:12

TrueBlueTerrier wrote:I keep a thin waterproof jacket and a 2Lt bottle of drink in my pouch (I don't have a car) and I make sure they are in the bag when I weigh it - no one has told me officially that I can't.

When I first started, there used to be a book with guidelines in it for staff. You were supposed to include your waterproofs when weighing a bag.

L Tommo · Post by **L Tommo** » 28 Jul 2007, 13:22

IWW Fellow Worker wrote:
TrueBlueTerrier wrote:I keep a thin waterproof jacket and a 2Lt bottle of drink in my pouch (I don't have a car) and I make sure they are in the bag when I weigh it - no one has told me officially that I can't.
When I first started, there used to be a book with guidelines in it for staff. You were supposed to include your waterproofs when weighing a bag.

CORRECT IWW... I tried this when we were working to the 318 in our office..... (i admit i didnt always)

But when i did i couldnt get half in a bag as i could before.... It put 3 bags on my walk and i dropped all them off in a few points around my walk,,,, Caused havoc as a few boys did the same....
As its not so much the weight as the room.... IT WILL WORK A TREAT WHEN THE 318 IS ROLLED OUT ACROSS ALL DELIVERYS.....

LETS GET ENCOURAGING THIS TO HAPPEN AND NEVER GIVE RM ANYTHING FOR NOTHING AGAIN........

out...

PS them coats are very bulky and big... not to mention leggings!!!!

Spedley · Post by **Spedley** » 28 Jul 2007, 13:59

You can insure your car for "commuting too and from multiple places of work". It is not expensive and was even free with my current Diesel Ford Mondeo insurance.
I believe you can take your first bag with you but you cannot take any others and you cannot leave mail in the car.
You must also own the car. I don't know why but you cannot be a named driver on the vehicle, not even if you have your own insurance.

Post by **POSTMAN** » 29 Jul 2007, 00:12

I know we've had this convo in the other thread but why the f**k would a postman want an insurance that covers him/her for...

"commuting to and from multiple places of work"

Ie from the f***ing office to a f***ing part of his/her walk!!!!!!!!

axeman · Post by **axeman** » 29 Jul 2007, 00:20

is this spedley managerial or what seems to bend toward r.m rather alot no reason for posties to pay for insurance as r.m should be conveying them as it is the weight on delivery has become such that a lot use their own vehicles because they can't carry this much weight over long periods (since introduction sdd) and because of attitudes / harrasment from managers take the easy option and use there own transport

DGP1 · Post by **DGP1** » 29 Jul 2007, 01:02

axeman wrote:is this spedley managerial or what seems to bend toward r.m rather alot no reason for posties to pay for insurance as r.m should be conveying them as it is the weight on delivery has become such that a lot use their own vehicles because they can't carry this much weight over long periods (since introduction sdd) and because of attitudes / harrasment from managers take the easy option and use there own transport

I thought he was a troll????

Post by **Jonboy** » 29 Jul 2007, 09:15

Spedley wrote:You can insure your car for "commuting too and from multiple places of work". It is not expensive and was even free with my current Diesel Ford Mondeo insurance.
I believe you can take your first bag with you but you cannot take any others and you cannot leave mail in the car.
You must also own the car. I don't know why but you cannot be a named driver on the vehicle, not even if you have your own insurance.

I think you will find you need buisness use 1 added to your insurance it may cost about Â£20 sometimes free depending on your own insurance company however this does not cover mails in the vehicle at the end of the day this is a car not a RM Vehicle.
if in doubt ring your insurance they will be happy to help you, ask them how much it would cost if you needed to carry mail etc then sit down before you fall down in shock.

if you use your car on delivery every day how much does it cost you?
Petrol wear and tear
Wet seats when it rains
brake ins when unattended
wear and tear punctures etc
What do your insurance say?
ask your insurance about the cover RM provide you with?
if insured for buisness use 1 ( the cheapest outside of RM) sometimes Â£20 more on your insurance this does not cover mails carried for work use!
the cover of replacement car while yours is off the road RM insurance does not cover this!
Recovery of your own personal car following damage or accident whilst in work RM insurance does not cover this!
Injury to yourself while carrying mail does yor insurance cover this under RM?
Now for 30 min's early finish would carry on using your car?
If broken into is your vehicle secure to protect contents of letters packets priorities etc?
I would rather take the van than cause an inconvenience to my family car & family would'nt you?

catch · Post by **catch** » 29 Jul 2007, 11:41

POSTMAN wrote:I know we've had this convo in the other thread but why the f**k would a postman want an insurance that covers him/her for...

"commuting to and from multiple places of work"
Ie from the f***ing office to a f***ing part of his/her walk!!!!!!!!

Because afaik it's cheaper than "business use" - which is the only one that'd actually cover you for delivering mail.

sparko35 · Post by **sparko35** » 29 Jul 2007, 11:58

also i would check the load capacity of your car, loading it with 8 bags of mail could quite easily over load it and invalidate your insurance

i have seen a few postmen in my office loading nissan micras and smart cars with 8 or more bags (not good) front off the cars were nearly off the ground

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