mot fail , smoke

[Drift]

In that case Kev you are actually only uising the car like most o9f us just to get to work so you neednt have it on a works policy.

I some times take work home in my car and back to work a few days later, granted its in a little folder but the principle is the same.

[Road Hog]

I am presuming that Kev is self employed & this is where the crux of the problem lies.Drift normal policy will cover to & from your regular place of work,mine is covered for use on my employers business & for my own business.
Will PM company details when I get home later.

[woodwizzard]

I'm self employed and I just have a normal policy and by the sound of it mine gets used alot more throughout the day. If I drop a tree on my car I haven't used it for work purposes as it is parked up at my place of work. If I were to pull a tree over with it which crushed the car then that would be different, but obviously I wouldn't do that

[Rich]

this got me thinking so i dug out my policy and it says social domestic and pleasure but excludes commuting i should have looked before good job iam of work with my knee at the mo i better get that changed

[Drift]

You where not going to work the day you had a bump you where on your way the shops

[andysd1]

mine is a strange one, i do have s,d,p,& commuting to a place of regular work, but it is not a works car park its a private car park, but i still had to have the commuting put on, but its a private one,

[willowkevin]

yes , im self employed , and thats the problem , but i dont get how theres been a policy to cover me for 2 years, ive never made a claim , the only time they hear from me is to pay my renewal . and then they discontinue it ...
this commuting is a rum one, back in the late 80'/early 90's when i had a real job i drove 50 miles a day to and from work(for 7 yrs) but had bog standard insurance , no commuting specified ....and even before that i used my vespa to go to work on in my town so that'll be commuting , wonder if i should have had special insurance for commuting to the local tech colledge once a week as well , grrrrrrrr

[Drift]

Your going to need special insurance just to drive your car the way things are going, all excuses to hike prices and wriggle out of paying claims.

[andysd1]

how easy would it be to start up your own insurance company

[Drift]

Its not that hard, but you need a shed load of capital to get going and an underwriter.

My company are self insured for the first £150k per claim just to keep legal insurance policies down.

[Road Hog]

[Frontycustoms]

Anythin they can to rip us off ay Bernie..

[Roo]

Hi. Not sure if this will help ya with your insurance prob, but here goes
Business Car Insurance - Where to find it...

Business car insurance is not offered by every company, many choose to focus their operation on private customers. However there are some that offer cheap car insurance for business use. It is important to go with the right company, one that will record your good driving even though it is not a private premium.

The More Than Business Car Insurance product includes a 10% online discount. This will rise to 20% if you have 4 or less named drivers on the car's policy. You can also benefit from a 65% no claims discount if you've gone 5 years without making a claim.

You can also pay monthly with More Than at no extra cost, and foreign cover is automatically included with each business car insurance policy.

Business car Insurance
Compare Business Car Insurers- 30 Insurance Quotes in 2 minutes!
www.quotezone.co.uk/car_business

Go Compare Car Insurance
We compare more than anyone else. Compare 80+ car insurance quotes.
GoCompare.com/Compare-Car-Insurance
You could try these..
Hope it was of some help to ya ....Good Luck yeah
Regards
Roo....

[willowkevin]

question , its been a while since i could here my turbo , but since i used the comma diesel magic i can here a faint whine , the noise doesn't sound at all bad , and the cars definetly more responsive , is this whine normal ???

[Drift]

Mine has been whining for two years

[willowkevin]

cheers ste ! i thought they might shame on me and my lack of maintainance

[Drift]

As loong as there is no oil coming from the turbo and the vains are not loose and no excessive smoke all should be ok