Richard A Thackeray
Legendary Member
SWMBO (& business partner) have purchased, but not collected yet, a car to be used by all staff
It's in case any have; broken down, won't start, flat-tyres, being serviced, etc...
Apparantly insurance is an issue
- It's not 'Fleet insurance, unless there's more than 1 vehicle (2 minimum)
- If it's insured singly, a premium goes up significantly, due to differing addresses it may be kept, & the company she spoke to will only countenance 4 drivers!! (circa 20 staff)
We could insure it 'normally' for us to use for business purposes, but then it's the risk factor, of theft/etc.., if we let staff use it on their own insurance (as the vehicle owned by another person clause)
Plus, some staff may not have that clause? (due to age)
Then, it may not be legally viable, to use the clause, if used for business??
Re; the 'fleet conundrum'
I have suggested that I cancel/reclaim my insurance money (paid, & renews at beginning of June) and mine becomes the 2nd fleet vehicle, even though I'll be the only one using it
But that raises the question, that if there's a RTC with the other, will it affect my NCB, when I renew in my own name again??
Can anyone suggest a company please?
I'm off to work now, but will check this before I start, & again at meal-break time
Thanks in advance!
It's in case any have; broken down, won't start, flat-tyres, being serviced, etc...
Apparantly insurance is an issue
- It's not 'Fleet insurance, unless there's more than 1 vehicle (2 minimum)
- If it's insured singly, a premium goes up significantly, due to differing addresses it may be kept, & the company she spoke to will only countenance 4 drivers!! (circa 20 staff)
We could insure it 'normally' for us to use for business purposes, but then it's the risk factor, of theft/etc.., if we let staff use it on their own insurance (as the vehicle owned by another person clause)
Plus, some staff may not have that clause? (due to age)
Then, it may not be legally viable, to use the clause, if used for business??
Re; the 'fleet conundrum'
I have suggested that I cancel/reclaim my insurance money (paid, & renews at beginning of June) and mine becomes the 2nd fleet vehicle, even though I'll be the only one using it
But that raises the question, that if there's a RTC with the other, will it affect my NCB, when I renew in my own name again??
Can anyone suggest a company please?
I'm off to work now, but will check this before I start, & again at meal-break time
Thanks in advance!