Insurance Question - Business Use - SV650.org

Supervox · 11-02-06, 10:04 AM

How much extra do those of you that use for bikes for business use pay for cover? My policy states that I'm only insured to get "to & from my permanent place of employment".

The reason I ask is that I'm thinking of checking it out price-wise when mine comes up for renewal due to the fact that the site I work at is about 8 miles long & there is a distinct shortage of company vehicles available for me to use. That & the fact that I'd prefer to use my bike if I have to go to another site for training, meetings etc.

11-02-06, 11:37 AM

It's about £50 per year extra, for me.

11-02-06, 05:48 PM

im not insured for buisness use. authough i do run the odd errant at work taking something from one store to another.

if i did have a prang . . . how could they prove that i was using the viechle for buisness ?

normally about 2 times a year.

am i bad ?

11-02-06, 06:05 PM

yes you are bad.

it was nothing to change mine on Ebike

11-02-06, 08:24 PM

Hornet costs me £25/year extra for business use.

fizzwheel · 11-02-06, 08:44 PM

I added business use to my car insurance for nothing a few years ago

I never added it to my bike insurance as I refuse to use my own transport when on work duties out of principle.

TSM · 12-02-06, 01:10 AM

Ebike = nothing extra for Business Class 1 use.

13-02-06, 09:12 AM

£12 from motorcycle direct for class 1 business use

I get 39.2p a mile for using it aswell

(although they are dropping it to 24p in april the tight barstewards)

13-02-06, 10:12 AM

Blimey, haven't thing changed since I lretired from the insurance business. Then all policies covered you for social, domestic, pleasure and your own business excluding use for hire and reward. Very simple.
I have just read my certificate of insurance from Carol Nash and have to say it confused me. I rang to confirm cover and was told I wasn't covered for getting to a place of business. It would appear they made the assumption that as I was retired I didn't need it. It certainly wan't pointed out to me at the time of organising my policy. It seems they are eroding the standard cover given in the past and they pass the blame onto you for not reading your policy which certainly doesn't win any prizes for plain speaking. Beware out there.

11-02-06, 10:04 AM	#1
Supervox No more Mr Nice Guy Mega Poster Join Date: Jun 2005 Location: Saaafffend, innit !! Posts: 1,365	Insurance Question - Business Use How much extra do those of you that use for bikes for business use pay for cover? My policy states that I'm only insured to get "to & from my permanent place of employment". The reason I ask is that I'm thinking of checking it out price-wise when mine comes up for renewal due to the fact that the site I work at is about 8 miles long & there is a distinct shortage of company vehicles available for me to use. That & the fact that I'd prefer to use my bike if I have to go to another site for training, meetings etc. __________________ Never argue with an idiot - he'll drag you down to his level and then beat you with experience

11-02-06, 08:44 PM	#6
fizzwheel Super Moderator Mega Poster Join Date: Dec 2003 Location: Somerset Posts: 3,614	I added business use to my car insurance for nothing a few years ago I never added it to my bike insurance as I refuse to use my own transport when on work duties out of principle. __________________ Look Dave, I can see you're really upset about this. I honestly think you ought to sit down calmly, take a stress pill, and think things over. K5 GSXR 750 Anniversary Edition

12-02-06, 01:10 AM	#7
TSM The Sick Man Mega Poster Join Date: Nov 2004 Location: Peckham.SE.LDN Posts: 4,768	Ebike = nothing extra for Business Class 1 use. __________________ OTR: KTM 690 Duke R 2015 Full Akro SIDELINE: Kwak ZX636 A1P 2002, Red, R&G's, Yoshi, Double Bubble Screen GONE: Kwak ZX-7R P1, Full Akro, Undertray, Screen GONE: SV650S K2 Very Bruised & Without Fairing, Motovation Frame Sliders, R&G Ally Sprocket Toe Protector, HEL 2 Line Setup, GSXR K1 600 RWU Forks, Barnett Clutch & Springs, Penske 8981 Shock, Gilles Ti Rearsets, Steel Barends, Scottoiler, AFAM Chain & Sprockets, Twin FIAMM Horns, Skidmarx Bellypan, Full Micron Zeta Steel System, Cut down undertay. Forum Problems & Information / Site Suggestions

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11-02-06, 11:37 AM	#2
Carsick Guest Posts: n/a	It's about £50 per year extra, for me.

11-02-06, 05:48 PM	#3
Warren Guest Posts: n/a	im not insured for buisness use. authough i do run the odd errant at work taking something from one store to another. if i did have a prang . . . how could they prove that i was using the viechle for buisness ? normally about 2 times a year. am i bad ?

11-02-06, 06:05 PM	#4
Last Action Pimp Guest Posts: n/a	yes you are bad. it was nothing to change mine on Ebike

11-02-06, 08:24 PM	#5
Ed Guest Posts: n/a	Hornet costs me £25/year extra for business use.

13-02-06, 09:12 AM	#8
Stormspiel Guest Posts: n/a	£12 from motorcycle direct for class 1 business use I get 39.2p a mile for using it aswell (although they are dropping it to 24p in april the tight barstewards)

13-02-06, 10:12 AM	#9
drumwrecker Guest Posts: n/a	Blimey, haven't thing changed since I lretired from the insurance business. Then all policies covered you for social, domestic, pleasure and your own business excluding use for hire and reward. Very simple. I have just read my certificate of insurance from Carol Nash and have to say it confused me. I rang to confirm cover and was told I wasn't covered for getting to a place of business. It would appear they made the assumption that as I was retired I didn't need it. It certainly wan't pointed out to me at the time of organising my policy. It seems they are eroding the standard cover given in the past and they pass the blame onto you for not reading your policy which certainly doesn't win any prizes for plain speaking. Beware out there.