No claims payable on cars used for work purposes

angela137, Oct 6, 1:34am
I have heard that generally speaking car insurance will not be paid if the claim was made as you were using the car for work purposes.Is this true!Any personal expereinces people want to share!I'm thinking of the case where you dont get a company car and have to use your own car.

jsbike, Oct 6, 1:37am
in which case it should be covered by the works insurance, though you'll need to ask to be sure

pauldw, Oct 6, 1:58am
Read your policy. Vero states for private cars
"1. Where the "description of use" on the schedule is
shown as private:
a. your vehicle is covered while it is being used:
i.for social, domestic, pleasure and farming purposes;
or
ii.by religious workers and social welfare or youth
organisation persons in the course of their work; or
iii.by you in person for business purposes. This
means the policy must be in your name.
b. there is no cover if your vehicle is being used:
i.for the carrying, hauling or towing of goods or
samples in connection with any trade or business
other than farming; or
ii.in connection with the motor trade or for
business purposes by commission agents, sales or
service persons, commercial travellers, insurance
representatives, insurance assessors, motor
driving instructors, stock, station or real estate
agents. "

There's no short answer it depends on what you are doing at the time.

kazbanz, Dec 11, 5:13pm
Angela-Youmay find that what they refer to is that if a vehicle is purchasedfor commercial purposes there is no cover under the CGA when buying from a dealer and mechanical breakdown insurance doesn't cover vehicles for commercial use