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Carnmore

Private car insurance with business use

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Carnmore

I contacted Axa for a quote and they had to refer it to the underwriter. Came back to me today and refused to quote based upon occupation.

 

Does anyone know which insurance companies will insure a private car for business use?

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P4dstar

Most will insure you with no issue. Go through a comparison site, answer all questions honestly and you're covered.

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Sintesi

I do property maintenance as the weather does not always allow me to work cleaning windows.However I clean the windows at my local insurance company on a monthly basis and when I was renewing my policy and mentioned the types of work I was involved in the guy nearly hit the roof as he had me down for just window cleaning.He nearly scrapped my policy altogether.I protested that I needed to keep busy when the weather wouldn't permit me to work outside.Ok for him sitting at a desk & clocking in & out with little or no obstacles to deter him from carrying out his work.When I walked out of there I vowed never to open my mouth about such matters to him again.But if I hadn't they'd be only too quick to refuse to honour any claims made on my policy if they were to arise.


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P4dstar
21 minutes ago, Sintesi said:

I do property maintenance as the weather does not always allow me to work cleaning windows.However I clean the windows at my local insurance company on a monthly basis and when I was renewing my policy and mentioned the types of work I was involved in the guy nearly hit the roof as he had me down for just window cleaning.He nearly scrapped my policy altogether.I protested that I needed to keep busy when the weather wouldn't permit me to work outside.Ok for him sitting at a desk & clocking in & out with little or no obstacles to deter him from carrying out his work.When I walked out of there I vowed never to open my mouth about such matters to him again.But if I hadn't they'd be only too quick to refuse to honour any claims made on my policy if they were to arise.
 

They can't actually deny a claim unless they can prove you deliberately mislead them. They can however make you pay the difference in premium before they consider a claim. This was told to me by an underwriter who works at Endsleigh.

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