(Uk) Driving beside common insurance put using for bussiness ?
ok so i passed my test im only 18 i lately got a job within the building trade and ive been given a van the company said i have to insure it myself due to my age so i be just wornding colud i get within trouble by the police if i just insure it as normal insurance because i cant afford Bussiness insurance it costs a bomb please report me what trouble i colud be in if it did it ?
Answers:
Is the van constituent of your duties? I do not understand it. if the company requires you to drive a van then it is their responsibility to clear the insurance not yours. I have a gut feeling you are person ripped off a bit here. Asdsduming it is right because of your age you must declare it a buusiness butthe company shopuld wages the premium if they want you to drive it
The plea the company does this is because most trade insurance covering multiple drivers insists that they are over 21 and have held a full license for a couple of years.Ask for a pay rise to cover the insurance costs or paw the keys back.Driving a vehicle used for trade purposes and solitary insuring for domestic use invalidates the insurance.You would be lying to your insurance company which is fraud and a criminal offense.I believe if you are caught you would get six points which is an automatic ban for hot drivers.
You can compare how the insurance quotes would change, for example here - autoinsurance.maclenet.com
Your employers are ripping you right sour. The reason is, for business insurance most insurers expect a driver to be experienced and over 21 so your firm are just avoiding that and going away you to drop yourself in it.
If you're stopped, it will be obvious it's a work vehicle from everything contained by it and you'll be hard pushed to convince anyone that it is your private means of transport.
If your insurers find out and quash your cover you may find yourself being deeply unsanctioned. Driving without valid insurance gets you a hefty fine and 6 - 8 points. You know that 6 points within the first two years will lead to your licence being revoked and you'll hold to start all over again.
If stopped by the Police they will want to know where you are going and where you come from and why. You could opt to lie but if your van is full of tools and equipment and you are dressed for the building site they will not believe you. They can check with your insurers by phone to see what the van is covered for and if they opt you were going to and from work or travelling for business they will take the van away from you and impound it until you can win it insured properly.
You will find that insurance a waste of time as you will be about to go and get 6 to 9 points put on your licence and in the first two years that means bye bye full licence.
You will any have to insure the van properly and it will cost up to lb5000 a year or explain the impossibility of the situation to your new boss. Clearly both he and you should hold looked into this and it sounds to me like someone you really do not want to work for anyway. Source(s): I opperate a van
It's fraud! If you have an accident and the Insurer finds out afterwards your policy will be void and you'll be charged with driving minus insurance, and will have to pay adjectives expenses out of your own pocket. If it's a company van then they will ask to see the insurance certificate anyway. You would own to be ridiculously stupid to do this. If you have an accident it will stick out that it's a commercial vehicle. Anyway, there are more than enough thoughtless, thoughtless uninsured drivers on the road - we honest, law abiding motorists don't want any more thank you!
Tell you boss you can't afford the Van Insurance and you have to work lacking it. Don't try driving on any other class of Insurance or you can get into BIG trouble.
If you have a car explicitly insured use that instead, and return the van maybe ask for a fuel allowance?
If you drive a vehicle without the correct insurance and you are caught.
next A, the vehicle will be impounded ( and cost large amounts of money to get out again )
and B you will be prosecuted by the police and possibly even lose your new license.
It is not worth the risk!
Well for one thing - if you do that - you won't be insured at adjectives - the insurance will be void if you have an luck. This would leave you open to Civil Action from any injured body which could cost you thousands and thousands of pounds in court fees, solicitors bills and compensation you would be ordered to pay for what could be tens of years...
Second point is - you with the sole purpose just passed your test and you want to receive done for no insurance - that makes a lot of sense....acquire done for no insurance and your premiums will go up even higher....
Then comes the fine and cost points on your licence - expect a heavy fine and for your company to sack you.....then you would also enjoy to find a new job - which would not be glib with a record approaching that
have you rung your insurance and only ask question about useing for work, i have to do this for work, and swinton didnt charge me anything, or try compare the market. com on van insurance and just catch quote, if van owner is nice he may put you as extra named driver on his policy till your 21 and premiun comes down,
can't really add much to the above answers but given your age you haven't have your licence long either and if you get 6 points or more contained by the first 2 yrs it's automatic that you lose your licence and are given a provisional and have to re take both proposal and practical tests again i may be wrong but to be caught with no insurance is amongst other things 6 points on your strange license so is it really worth it? why not ask your boss to insure it and put you on it as a named driver ?
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Answers:
Is the van constituent of your duties? I do not understand it. if the company requires you to drive a van then it is their responsibility to clear the insurance not yours. I have a gut feeling you are person ripped off a bit here. Asdsduming it is right because of your age you must declare it a buusiness butthe company shopuld wages the premium if they want you to drive it
The plea the company does this is because most trade insurance covering multiple drivers insists that they are over 21 and have held a full license for a couple of years.Ask for a pay rise to cover the insurance costs or paw the keys back.Driving a vehicle used for trade purposes and solitary insuring for domestic use invalidates the insurance.You would be lying to your insurance company which is fraud and a criminal offense.I believe if you are caught you would get six points which is an automatic ban for hot drivers.
You can compare how the insurance quotes would change, for example here - autoinsurance.maclenet.com
Your employers are ripping you right sour. The reason is, for business insurance most insurers expect a driver to be experienced and over 21 so your firm are just avoiding that and going away you to drop yourself in it.
If you're stopped, it will be obvious it's a work vehicle from everything contained by it and you'll be hard pushed to convince anyone that it is your private means of transport.
If your insurers find out and quash your cover you may find yourself being deeply unsanctioned. Driving without valid insurance gets you a hefty fine and 6 - 8 points. You know that 6 points within the first two years will lead to your licence being revoked and you'll hold to start all over again.
If stopped by the Police they will want to know where you are going and where you come from and why. You could opt to lie but if your van is full of tools and equipment and you are dressed for the building site they will not believe you. They can check with your insurers by phone to see what the van is covered for and if they opt you were going to and from work or travelling for business they will take the van away from you and impound it until you can win it insured properly.
You will find that insurance a waste of time as you will be about to go and get 6 to 9 points put on your licence and in the first two years that means bye bye full licence.
You will any have to insure the van properly and it will cost up to lb5000 a year or explain the impossibility of the situation to your new boss. Clearly both he and you should hold looked into this and it sounds to me like someone you really do not want to work for anyway. Source(s): I opperate a van
It's fraud! If you have an accident and the Insurer finds out afterwards your policy will be void and you'll be charged with driving minus insurance, and will have to pay adjectives expenses out of your own pocket. If it's a company van then they will ask to see the insurance certificate anyway. You would own to be ridiculously stupid to do this. If you have an accident it will stick out that it's a commercial vehicle. Anyway, there are more than enough thoughtless, thoughtless uninsured drivers on the road - we honest, law abiding motorists don't want any more thank you!
Tell you boss you can't afford the Van Insurance and you have to work lacking it. Don't try driving on any other class of Insurance or you can get into BIG trouble.
If you have a car explicitly insured use that instead, and return the van maybe ask for a fuel allowance?
If you drive a vehicle without the correct insurance and you are caught.
next A, the vehicle will be impounded ( and cost large amounts of money to get out again )
and B you will be prosecuted by the police and possibly even lose your new license.
It is not worth the risk!
Well for one thing - if you do that - you won't be insured at adjectives - the insurance will be void if you have an luck. This would leave you open to Civil Action from any injured body which could cost you thousands and thousands of pounds in court fees, solicitors bills and compensation you would be ordered to pay for what could be tens of years...
Second point is - you with the sole purpose just passed your test and you want to receive done for no insurance - that makes a lot of sense....acquire done for no insurance and your premiums will go up even higher....
Then comes the fine and cost points on your licence - expect a heavy fine and for your company to sack you.....then you would also enjoy to find a new job - which would not be glib with a record approaching that
have you rung your insurance and only ask question about useing for work, i have to do this for work, and swinton didnt charge me anything, or try compare the market. com on van insurance and just catch quote, if van owner is nice he may put you as extra named driver on his policy till your 21 and premiun comes down,
can't really add much to the above answers but given your age you haven't have your licence long either and if you get 6 points or more contained by the first 2 yrs it's automatic that you lose your licence and are given a provisional and have to re take both proposal and practical tests again i may be wrong but to be caught with no insurance is amongst other things 6 points on your strange license so is it really worth it? why not ask your boss to insure it and put you on it as a named driver ?
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