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Author Topic: car using it for work  (Read 2043 times)

regiment

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car using it for work
« on: October 03, 2017, 03:12:19 pm »

here's one for barrack room lawyers
my friend is working cleaning council flats he is using his own car for carrying his cleaning gear  around  should he have business insurance for his car and can he claim travelling exspenses spending £20 a week on fuel     
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bfgstew

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Re: car using it for work
« Reply #1 on: October 03, 2017, 03:15:26 pm »

Short answer........yes.


Insurance companies will use any excuse to void any claim.
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Colin Bishop

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Re: car using it for work
« Reply #2 on: October 03, 2017, 03:57:45 pm »

Definitely yes. There are different classes for business use depending on what your business is. If your friend is involved in an accident whilst undertaking a work journey and does not have the appropriate level then he will not be insured.

Colin
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McGherkin

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Re: car using it for work
« Reply #3 on: October 03, 2017, 04:05:00 pm »

As above, you need to be covered for business use on your policy.

I think you can claim back 45p a mile? Something along those lines.
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gingyer

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Re: car using it for work
« Reply #4 on: October 03, 2017, 04:12:08 pm »

I use my car for work
And yes they need business insurance


For claiming back they Don’t claim it in money in your hand but in tax rebate
This website should give more info


https://workmileagetaxrebate.co.uk/


But DO NOT go to a “specialist” accountant in this field some take
40% of your rebate off you as a fee.
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malcolmfrary

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Re: car using it for work
« Reply #5 on: October 03, 2017, 04:44:58 pm »

Insurance - what everybody else has said - yes he needs the appropriate cover.
Expenses claimable depends on the terms and conditions of the contract.  With a honest employer, this should cover the increased cover cost, fuel, ongoing wear and tear and in some cases parking fees.

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Netleyned

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Re: car using it for work
« Reply #6 on: October 03, 2017, 05:11:51 pm »

Honest employer
And Council do not compute


Ned
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grendel

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Re: car using it for work
« Reply #7 on: October 03, 2017, 07:50:24 pm »

business mileage added to the insurance, my insurance covers me for 10,000 miles business use, and 45p per mile for the first however many thousand miles, you can claim it back directly from the taxman, but keep good records.
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Howard Q

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Re: car using it for work
« Reply #8 on: October 03, 2017, 07:51:26 pm »

As an extra thought, I used my car each day to go to work, what is termed as commuting,when I retired naturally wanting to cut costs, I asked my insurance company for means to reduce the renewal fee, lo and behold they said as I was now only using my car for personal reasons and not commuting they could reduce my fee by a decent amount, something to keep in mind when renewal notices pop through the letterbox, plus of course shopping around. Howard Q
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Re: car using it for work
« Reply #9 on: October 03, 2017, 07:51:38 pm »


I use my car for work
And yes they need business insurance


For claiming back they Don’t claim it in money in your hand but in tax rebate
This website should give more info


https://workmileagetaxrebate.co.uk/


But DO NOT go to a “specialist” accountant in this field some take
40% of your rebate off you as a fee.
Umm Interesting, at my place they get it in their monthly expenses, also believe it is only the 1st 10 thousand miles and then drops to 25 p, also you can claim 5p per passenger pm

Colin Bishop

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Re: car using it for work
« Reply #10 on: October 03, 2017, 07:56:27 pm »

Howard, did they reduce your premium because your mileage had dropped? Commuting doesn't count as business use. My insurers want to know my average annual mileage and this influences my premium.

Colin
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gingyer

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Re: car using it for work
« Reply #11 on: October 03, 2017, 08:17:00 pm »

Umm Interesting, at my place they get it in their monthly expenses, also believe it is only the 1st 10 thousand miles and then drops to 25 p, also you can claim 5p per passenger pm


sounds like your work pays for the expenses, and yes there is a milage cap for an upper and lower rate.
there is 2 ways to get vehicle expenses....
1) the known and understood way which is from your employer
2) through HMRC tax rebate


the government say that for each mile you should get 40p per mile for the vehicle and then 5p for the additional passengers.


However some companies do not pay the full amount or any amount,
so to get the full 40p you need to claim it back from the HMRC which you do need to be accurate with your paperwork


a BIG company I know of are now paying 12p/mile and giving you the completed paperwork for the HMRC as it saves them money  <*< <*<
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ChrisF

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Re: car using it for work
« Reply #12 on: October 03, 2017, 08:27:45 pm »

heres one for barrack lawyers
my friend is working cleaning council flats he is useing his own car for carring his cleaning gear  around  should he have buisness assrance for his car and can he lclaim traverling exspnces spending £20 a week on fuel   


You don't say if he is employed by the Council or by a private firm. If the former they will insist on him having business use insurance and will pay him a mileage allowance.


If he works for a private firm, as others have said, again he will need business use. Whether he recieves mileage allowance depends on the terms of his contract with his employer. If he doesn't, again as said he can claim 45p per mile for 10k. miles. He should be able to claim a reasonable amount for work clothes as well. 


Edit: Gingyer - Yes you are right, some companies do pay less than 45p and expect employees etc. to claim the difference off HMRC. I'm  surprised HMRC stand for this as they are subsidising the unscrupulous companies.


The 45p allowance is fine if e.g. you are self-employed and claiming mileage allowance.
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Howard Q

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Re: car using it for work
« Reply #13 on: October 03, 2017, 10:15:21 pm »

Hello Colin. I did not receive  any payment for my travelling to work this was done at my own expense, as you say I was not using it in a business manner just as a means to get to and return from my place of work, why the insurance company reduced my premium was only quoted as having retired I would be driving less and probably less chance of an accident, needless to say I grabbed the offer with both hands. I still shop around each renewal date so as to stop being seen as a pot of gold for insurance companies. Howard Q. :-))
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Starspider

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Re: car using it for work
« Reply #14 on: October 03, 2017, 10:42:27 pm »

It is not just the insurance company you have to be careful with if mr plod gives you a tug and they suspect that you are using your vehicle in connection for gain they will check your insurance cover and you could find that you are charged with driving without insurance, impounded vehicle and a day in court.
 Colin
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grendel

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Re: car using it for work
« Reply #15 on: October 04, 2017, 08:17:26 am »

travelling to and from work is not counted for the 45p / mile. if however you were travelling from home to work via a site meeting it would count, but if you were doing this regularly to the same site the tax man would be highly suspicious. at one place I worked they would allow a claim for the additional miles covered by the site visit, but if you read the instructions on the tax website they allow for the entire mileage to be claimed (but also warn that suspiciously finding a 'site' to visit on the way to work every day would be flagged up for investigation.
my car insurance is quite expensive as I am insured for 30,000 miles a year personal mileage and an additional 10,000 business, to be honest I can probably reduce the business mileage a fair bit and still manage any work trips needed, but when I originally took it out I needed the full 10,000 miles.
high mileage (120 miles a day getting to and from work) and business use all put up the cost, as does keeping the car parked on the road as opposed to garaged, and the area you live.
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tigertiger

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Re: car using it for work
« Reply #16 on: October 04, 2017, 03:02:20 pm »

The lower premium for retirement makes sense. You are less likely to be driving at peak times,when yourself and other drivers are under time pressure to get somewhere.
Another grey area for insurance at work is if your company expects you to collect and/or drop off other people on the way to/from work or a site. This may not be for gain but is business use.
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steamboat66

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Re: car using it for work
« Reply #17 on: October 04, 2017, 05:25:53 pm »

the usual is "social domestic and pleasure including to and from a PERMANENT place of work". no running around between branches of your employer. my employer had to do a quick back track on one of their policies when we moved to new premises. i was exempt, as i had a van, and my insurance was commercial.
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terry horton

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Re: car using it for work
« Reply #18 on: October 04, 2017, 05:30:02 pm »

Had a Company Car for over 25 years but because of the way we were insured I got hammered when insuring my new,personal retirement vehicle because I hadn't accrued any no claims bonus through old my company insurance. <:( >>:-( 
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tigertiger

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Re: car using it for work
« Reply #19 on: October 05, 2017, 02:40:44 am »

Yes, I will be hit by the no no-claims bonus thing when I return to the UK. When I was back in UK a few years ago it was cheaper for me to hire a car on the few occasions I really needed one. The costs of even an old banger didn't make sense after insurance, even at my age. I did learn to get max use out of weekly bus passes though.
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Brian60

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Re: car using it for work
« Reply #20 on: October 05, 2017, 08:45:56 am »

Yes, I will be hit by the no no-claims bonus thing when I return to the UK. When I was back in UK a few years ago it was cheaper for me to hire a car on the few occasions I really needed one. The costs of even an old banger didn't make sense after insurance, even at my age. I did learn to get max use out of weekly bus passes though.

You need to check with the UK insurer on this. When we moved to Spain we went with a company called Linea Directa or in English, Direct Line, guess what? yep.... Even though in the UK we were with Churchill, as long as we presented a letter of no claims allowance to Linea Directa they would honour it in Spain.

So it may well be that if you are in a country that offers no claims discount on policies, it may be transferrable when going back to the UK. As with most things, if you don't ask, they won't tell.

Paul Swainson

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Re: car using it for work
« Reply #21 on: October 05, 2017, 02:19:19 pm »

Had a Company Car for over 25 years but because of the way we were insured I got hammered when insuring my new,personal retirement vehicle because I hadn't accrued any no claims bonus through old my company insurance. <:( >>:-(


Point to note when you have a company car and lose it for your own, ask the company who insurance your company vehicle used for a letter to show how long you have been driving under their insurance cover and a letter from your employer. (one from each company if you have moved around) Send them to the company you want to use and see if they will accept them as proof of no claims periods.  It worked for me with my company car for over 40 years driving.  In the first year I used the same company that insured my company car using the above method and then moved the next year with full no claim bonus.
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