What makes your motor insurance policy void?
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Question by HEATON2000: What makes your motor insurance policy void?
I have recently had an incident with another vehicle where the driver was using their own family car as a delivery vehicle. I thought that you had to have it specified in your policy terms that you would be using your vehicle for work ? Is this the case or am I wrong?
Best answer:
Answer by Mike Sanders
A vehicle registered solely for S&P (social and pleasure if having an accident while driving for business purposed is deemed void).
A vehicle registered for SDP (social domestic and pleasure allows insurance for all means).
A vehicle on a trade policy (Cannot be used for personal reasons, insurance is only valid is vehicle is used for work purposes ONLY).
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Yes you need to state that you are using it for work becuase it would result in you beingon the road more often and therefore more likely to have accident.
Other reasons for Policy to be void would be lying on your application!!!
well do you know the details of their policy?
proving it is a different matter. i could have my shopping in my car, i’m delivering it home.. see my point?
People use their own vehicles for work frequently. Although coverage does depend on the type of insurance the person has, it happens regardless of policy type.
The question becomes one of intent: Does the business assume that people will use their cars for work? If so, the business should extend their insurance to cover that car.
Where it gets iffy is when you are carrying something of great value and it gets destroyed in an accident. Was that object insured by the company or by your driver’s insurance, etc.
In the case of the person using their family car as a delivery vehicle, if this is a regular occurance that the company depends on, then your insurance company will probably be contacting that company.
But what if you went home first before the delivery? How about if you got something at work, went home and dropped it off somewhere else on the way back into work the next day?
Don’t worry … the insurance companies will, in the long run, always win.
I drive occasionally to see clients at the jobcentre as part of my work and have to have business use on my insurance overwise if i have an accident I’m not covered. Some insurers automatically cover you for that eg Tesco but with my current insurers i had to ask for it as an extra cost. If you give false information to your insurers such as not covereing yourself for business miles, or the wrong home address etc. then your insurance is invalid. So by my understanding your driver’s insurance is invalid.