fossyant
Ride It Like You Stole It!
- Location
- South Manchester
He has business use cover on his policy.
Car D.I.Y.
- Thread starter Drago
- Start date
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Pale Rider
Legendary Member
I have 'class 1 business use' which covers me for journeys made in connection with my employment, over and above commuting to a single place of employment.
But I am not covered for commercial travelling - working as a sales rep - or for doing deliveries, which insurance companies call 'hire and reward'.
Some companies now market hire and reward policies as 'courier insurance' or even more plainly 'food delivery insurance'.
Those types of policies will usually cost more than simple business insurance, particularly food delivery.
That's because an assumption is made delivering food will involve a lot of night time driving when, statistically, more accidents happen despite lower traffic volumes.
Worth double checking the lad is covered for exactly what he is doing.
D
Deleted member 26715
Guest
At least he's got some insurance, most (anecdotally) part time delivery drivers don't have it
Pale Rider
Legendary Member
I'm no fan of Uber, but I understand they require proof of hire and reward insurance before they sign up a driver.
No idea if there's a monitoring process for subsequent years.
My employers check annually, which I comply with not least because they won't pay expenses otherwise.
I agree it's unlikely your local takeaway owner's brother-in-law who helps out with deliveries at the weekend is fully insured.
figbat
Slippery scientist
- Location
- South Oxfordshire, UK
The consequences go beyond whether or not expenses are paid. If you have an accident and it turns out you do not have the requisite cover, your insurers are still likely to be liable to the third party but may then come after the policy holder to cover their costs. You will then also face the prospect of having had insurance withdrawn or cancelled, making it difficult to get future insurance cover.
Of course this is all moot if by "business cover" it was meant the appropriate hire and reward cover. In general terms though, "business cover" generally means the type that @Pale Rider describes - effectively being able to drive to places other than your normal place of work in the course of your employment. For me this includes things like driving to the airport for a business flight, driving to a customer's site, driving to an alternative office in my business etc. It does not cover me making deliveries or carrying goods for sale.
Of course this is all moot if by "business cover" it was meant the appropriate hire and reward cover. In general terms though, "business cover" generally means the type that @Pale Rider describes - effectively being able to drive to places other than your normal place of work in the course of your employment. For me this includes things like driving to the airport for a business flight, driving to a customer's site, driving to an alternative office in my business etc. It does not cover me making deliveries or carrying goods for sale.
fossyant
Ride It Like You Stole It!
- Location
- South Manchester
How easy is it to replace the front suspension top mounts ? My son's car just failed on the near side mount (2015 Fabia) - never had one fail on my cars ever. Just thinking suspension bolts might be a pig to undo - he's keen to do it himself, I'm more keen to drop it in the local garage !
Last time I replaced some was 25 years or more ago, spring compressor needed.
fossyant
Ride It Like You Stole It!
- Location
- South Manchester
Spring Compressor - yup - don't really fancy that but they aren't expensive. We have a blow torch so can deal with aged nuts (used it on my back box and MrsF's anti-roll bar links). Also depends upon how big a socket is needed for the lower strut bolts. His mates probably have half the kit anyway.
Bazzer
Setting the controls for the heart of the sun.
- Location
- On the edge of reality
Spring compressors are OK, but you just need to be very careful with them. Tighten each side progressively and evenly.
Although I will freely admit, personally I have found it a buttock clenching process, and I have breathed a huge sigh of relief when they have released on to the replacement fitting.
I have never worked on anything that new so maybe things have changed but you will probably need a 7mm Allen key to stop the shock from turning when trying to undo the top nut. Most cars seem to use a 7mm Allen key for this purpose for some reason and it's not a size you find in most sets of Allen keys.
A standard 13/16" plug spanner usually found in a typical socket set (of the type in the picture) usually fits the top mounting nut of a VW so you can remove the rubber bung thing which is inside the plug spanner to grip the spark plug and put the Allen key down through the centre of it and use a large ring spanner on the hex part of the plug spanner. If you're really unlucky it will be a 22mm nut.
Rockster57
Active Member
- Location
- West Yorkshire
MOT time so had a poke around on my Mum's car for her. Rear brakes were a horror story. The one on the left is not too bad but the one on the right in the photo is cringe-worthy. The picture doesn't do justice to the extent of the damage to the disc surface. To be fair, I drove it myself and never noticed anything amiss with the feel of the brakes. Just shows, you need to get down in the dirt and take a proper look! However, all's well that ends well. New replacements fitted and fronts checked out and found to be healthy and another 12 months on the MOT ticket. Sorted!
- Location
- Egham
I presume the kitchen knife is a specialist tool for the job!
rockyroller
Guru
- Location
- 20 miles northwest of Boston, MA
last week, I put a new battery in my Son's '94 Camry. we swapped cars so he could take mine on a trip to Vermont w/ his girlfriend. while I had it I did some poking around & decided that would be an appropriate thing to do, with winter coming & the battery being 4 yrs old. also did the engine air cleaner & cleaned inside the throttle body a little. saw him yesterday & he reports it seems to be starting & running a bit better than before his trip
