One Day Delivery Cialis, If a car is used for business by yourself or other employees, then a business policy is mandatory.
Commuting is normally covered under a private car policy but this is simply driving to and from a single, fixed place of work. No other business use would be covered. But what counts as business use, 250mg One Day Delivery Cialis. Leaving your place of work and driving for any purpose related to your business. For example, posting a letter on behalf of the business, or even buying some milk for the office kitchen, One Day Delivery Cialis. In the event of a serious incident, everything will be scrutinised closely, 100mg One Day Delivery Cialis, including the insurance arrangements and exactly where and why the vehicle was being driven. This can have serious consequences for the driver if proper cover wasn't in place.
An employer also has to be aware that there could also be comeback from an incident involving an employee. Under Health and Safety Law, an employer is responsible for their employee's welfare whilst at work, One Day Delivery Cialis india. One Day Delivery Cialis, This still applies in a vehicle if they are on work business. On top of this, in certain circumstances, an employer is also liable for an employee's actions, One Day Delivery Cialis coupon, so if a third party is injured badly in an accident involving an employee the company may be held partly responsible too, so proper business use insurance is a necessity.
There are several different types of policy for business insurance use to cover the different types of trade or use the vehicle will be put to. Most insurers use the following classifications, with minor differences, One Day Delivery Cialis overseas.
Business insurance for Cars - Class 1
Specifically for drivers who own their own vehicle, which they need to use for business purposes as will as private use. You can cover your other half, and private use is usually automatically included, One Day Delivery Cialis.
Business Car Insurance Class 2
Class 2 business insurance covers a car belong to the policyholder for business use. 1000mg One Day Delivery Cialis, This class differs from class 1, in that the policy holder is generally a company or other corporate entity, so the cover is used for pool cars or other vehicles. It can be applied to an individual, but in this case, 40mg One Day Delivery Cialis, care must be taken to include social, domestic and pleasure, in case the vehicle is ever used for non business use, 200mg One Day Delivery Cialis, (such as posting a personal letter on the way home).
Business insurance for Cars - Class 3
Class 3 cover is sometimes described as "commercial travelling". One Day Delivery Cialis, It covers drivers who drive as part of their job, so long as the driving itself is not their job. As an example, class 3 business insurance would cover a sales rep., engineer on call, 30mg One Day Delivery Cialis, but would not cover a taxi driver, for this you would need something called "hire and reward".
Insurance for Hire and Reward
When a trade is specifically for transporting things or people, One Day Delivery Cialis ebay, such as a taxi service or a haulage company, then this sort of insurance is needed, although sometimes it is described more specifically. For instance, insurance for a courier is generally described simply as courier insurance, although it is still a form of hire and reward.
So for any business use apart from commuting, then a proper business car insurance policy is required by law.
M Withers is Commercial Manager at Coversure who offer all kinds of business use car insurance
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