My husband started a new job last week. In normal circumstances he would have a company car, but for now because he will be working from home due to Covid-19 he is getting a mileage allowance and using my car when he needs to. There is no point in paying BIK for a car that will be sitting outside the house going nowhere for the next few months.
This leads to my question. I am the policy holder on my insurance and he has always been a named driver, as he has always had a company car. My insurance is for social, domestic & pleasure use only - it only mentions the policy holder (me) in relation to using the car for business purposes, not the named driver.
Do I have to advise the insurance company that hubby is using the car for work purposes? I am worried that if we need to make a claim at any stage we will find the insurance null and void. I am equally concerned that my premium will go sky high if they change the class of insurance to business cover, when primarily it will be used a family car.
This leads to my question. I am the policy holder on my insurance and he has always been a named driver, as he has always had a company car. My insurance is for social, domestic & pleasure use only - it only mentions the policy holder (me) in relation to using the car for business purposes, not the named driver.
Do I have to advise the insurance company that hubby is using the car for work purposes? I am worried that if we need to make a claim at any stage we will find the insurance null and void. I am equally concerned that my premium will go sky high if they change the class of insurance to business cover, when primarily it will be used a family car.