Rights of a reserve

[97gaz]

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[Chalky13]

No problem.
Just advising the OP as he asked. He’ll be fine.

[Woody Guthrie]

If it's a single journey to work it doesn't matter if the destination changes your insurance still covers you. If however you travel to one place of work then use your car to travel to another place of work that's considered to be business use and you'll need to inform your insurance company who usually charge extra.

[SpacePhoenix]

If it's a single journey to work it doesn't matter if the destination changes your insurance still covers you. If however you travel to one place of work then use your car to travel to another place of work that's considered to be business use and you'll need to inform your insurance company who usually charge extra.

If the insurance policy says to your permanent place of work then it will matter. If it says to your regular place of work then it's kinda a grey area and the OP would need to ask their insurer what they'd class it as if you went to an alternative site from home

[97gaz]

H

[Celgar]

Our DOM has told us we have to have business car insurance if we chose to drive to another DO in our own transport. I think that closes down the argument on this question. We posties are not a charity at the beck & call of RM and they need to provide functional equipment and vehicles to enable us to deliver letters & parcels.

[LaggyBand]

I think what Chalky is saying is it would not be normal for an insurance company to pull you up on it, this is called a purposive approach in law; whereas other people are simply going on what their insurance policies actually say and there is nothing wrong with taking that literal approach (I would).

The important question in this context supercedes the question of whether Chalky is correct or not;

This question is, whether the reserve can be COMPELLED to use their own car to drive to another office. If they can’t, and they’d rather not get moved about, well, it’s pretty straightforward what to do at that point..

[SpacePhoenix]

I think what Chalky is saying is it would not be normal for an insurance company to pull you up on it, this is called a purposive approach in law; whereas other people are simply going on what their insurance policies actually say and there is nothing wrong with taking that literal approach (I would).

The important question in this context supercedes the question of whether Chalky is correct or not;

This question is, whether the reserve can be COMPELLED to use their own car to drive to another office. If they can’t, and they’d rather not get moved about, well, it’s pretty straightforward what to do at that point..

What if the police pulled you over for a random check, would they class it as driving with no insurance?

[LaggyBand]

I think what Chalky is saying is it would not be normal for an insurance company to pull you up on it, this is called a purposive approach in law; whereas other people are simply going on what their insurance policies actually say and there is nothing wrong with taking that literal approach (I would).

The important question in this context supercedes the question of whether Chalky is correct or not;

This question is, whether the reserve can be COMPELLED to use their own car to drive to another office. If they can’t, and they’d rather not get moved about, well, it’s pretty straightforward what to do at that point..

What if the police pulled you over for a random check, would they class it as driving with no insurance?

Like i said, if the postie exactly described the circumstances, the police did a thorough investigation into the wording of the policy AND if they took a literal approach then it’s possible they would do you for no insurance.

But I believe Chalky that if he was in a car accident, the insurance company would likely not take issue with it.

HOWEVER like I said, what is the reserve even doing in that position if they cannot be compelled to be in it? That is the practical question to ask, because dodging this grey area altogether is surely the best advice especially IF the reserve does not want to be in it.

[Chalky13]

I think what Chalky is saying is it would not be normal for an insurance company to pull you up on it, this is called a purposive approach in law; whereas other people are simply going on what their insurance policies actually say and there is nothing wrong with taking that literal approach (I would).

The important question in this context supercedes the question of whether Chalky is correct or not;

This question is, whether the reserve can be COMPELLED to use their own car to drive to another office. If they can’t, and they’d rather not get moved about, well, it’s pretty straightforward what to do at that point..

Thank you.

In literal terms, as you say, the others are correct.
However, in actual terms, it wouldn’t be an issue. I’ve seen it many times. It’s the same principle that a married couple are both considered the owner of a car that’s insured, even though only one of them is listed as the owner on the logbook.

And agreed, as per the OP, they should be supplied a vehicle to get to another office. If they choose to use their own, it would be ok for travel, but not to deliver in.

[yellowbelly]

For a start dont use your car..start at your do at your official start time,travel time is included in your work hours,use trolleys,take your breaks & allow time to return back to your do at the end of the day,if you don't stand up for yourself they will just take the pi*s out off you

It states communiting to a single place of work it doesn't say it has to be the same place during your employment

If you went to office A on Monday,Office B on Tuesday and office C on Wednesday then it would be multiple places of work not a single place of work. When I got my last policy it didn't have commuting on it at all so rang them to query it. Cost me an extra £8 to drive 1 mile a day to work.

Do not underestimate an insurance companys capacity to be more dishonest than a bank robber. They will wriggle out of anything.

Gaz - totally agree - wouldn't like to try and challenge them in case of an accident.

My reasoning - you claim travelling time and mileage allowance from your 'parent' office to 'detached' office. So, on the one hand you are claiming time and
mileage from one office to another in the same day (so two work locations in a day) yet you only have commuting to a single place of work on your
insurance - wouldn't wash with legal beagles from many an insurance company. Furthermore, part of the reason for the mileage allowance
is to compensate you for the cost of using your vehicle for work reasons (one of the costs of which is insurance!).

For me, I just had to get class 1 business insurance and it didn't cost me anything - they just annotated it on the policy.

[97gaz]

[

[rubberbond]

For a start dont use your car..start at your do at your official start time,travel time is included in your work hours,use trolleys,take your breaks & allow time to return back to your do at the end of the day,if you don't stand up for yourself they will just take the pi*s out off you

It states communiting to a single place of work it doesn't say it has to be the same place during your employment

If you went to office A on Monday,Office B on Tuesday and office C on Wednesday then it would be multiple places of work not a single place of work. When I got my last policy it didn't have commuting on it at all so rang them to query it. Cost me an extra £8 to drive 1 mile a day to work.
a mike? It must have cost you more in damage to your car's engine than £8.

[Chalky13]

If you look at any comparison site, it offers the option for social, domestic, pleasure or social domestic, pleasure and commuting. There is also the business option.
You don’t have to ask specifically, it’s there when you look for insurance cover. If you do it via a broker, they’ll ask you the usage.
Yes, sometimes insurers will wriggle to get out of claims, but you’ll generally find it’s only when someone is bending the rules themselves. They don’t go out there way to not pay out. They will go out their way to increase your premium without a claim, but that’s a separate matter.

[LaggyBand]

The bottom line here, the practical advice to give to the OP is;

When asked to move office, you say,

“Can I be compelled to use my own car? No, ok, what van am I using then?”

That is the only advice he needs.