Motoring Discussion > business insurance Tax / Insurance / Warranties
Thread Author: agh Replies: 6
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New Wed 12 Aug 15 10:42 
 business insurance - agh
hi everyone

I am insured through swintons for 30 years I need business insurance for both me and my common law partner of 6 years we car share so I use it 4 days and she uses it 3 .
I can get business insurance for myself no problem I could get it for my partner if she was my wife .
Does anyone know an insurance company that will insure me and my partner
thanks agh
Last edited by: VxFan on Thu 13 Aug 15 at 09:48
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New Thu 13 Aug 15 09:47 
 business insurance - VxFan
Free bump to give fresh air time as was originally posted in the "Introduce Yourself" section.
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New Thu 13 Aug 15 10:11 
 business insurance - Bromptonaut
May depend on type of business use. Moving between employer and client sites is one thing, commercial travelling is another.

LV= worked for us on similar circs. I was a Civil Servant attending meetings etc away from my own office and my OH was a peripatetic teacher moving between schools and occasionally carrying kids too. We were each covered in our own cars and each others. IIRC it was treated as class B business use. Might have weighted my premium a bit but it was never outrageous - £250-300 for a 2litre diesel estate doing 20k miles pa.

Admiral and Elephant did it previously too. I fell out with them but over insuring my kids for SD&P not anything to do with business use.
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New Thu 13 Aug 15 10:16 
 business insurance - Duncan
Would one of the search engines - compare the market, money saving expert, or whatever - quote for business use?
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New Thu 13 Aug 15 10:29 
 business insurance - Manatee
Can Swinton not find this cover? Surely that is what brokers are for?

"Swinton can provide a flexible range of standard and specialist car insurance policies for a wide range of cars and drivers."
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New Thu 13 Aug 15 15:35 
 business insurance - Bill Payer
>> I can get business insurance for myself no problem I could get it for
>> my partner if she was my wife .
>> Does anyone know an insurance company that will insure me and my partner
>> thanks agh
>>

I didn't think insurance companies made any such 'discrimination' these days.

Someone else mentioned LV - OK, I'm married, but the policy even covers business use by our kids. Had to ask for that, but no problem, and no cost.
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New Thu 13 Aug 15 16:13 
 business insurance - Bromptonaut
I mentioned class A or B business use but looks as though correct terms are class 1 or 2


Class 1 is policy holder only but may include a spouse. That term though is limited to the legally married. It does not cover partners or that legal fiction the 'common law spouse'.

Class 2, which is what i now have and OP may need too, adds further named driver(s) for general business travel.

Class 3 adds 'riskier' usages such as door to door sales, deliveries etc.

www.confused.com/car-insurance/articles/what-are-the-car-insurance-classes-of-use
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