What car insurance do you need for taking old ladies shopping, travelling between houses etc?

Question

Think I asked the question wrong first time round. How much does it cost on top of your originally policy

Answer 1

Well surely the best people to ask would be your insurance company.

Answer 2

do you volenteer ? - if so and you dont get paid then you should be covered under social domestic and pleasure use as long as you tell your insurance company that you volenteer *** each insurance company differs so you will have to check with them ***

do you do this as part of your job - for example care assistant ? if so then you will need class 1 buisness use *** again you will have to check if this is acceptable to your insurance company and how much they charge as some will charge other wont ***

do you get paid purly to take the ladies to the shops - so like a taxi driver ? - if so you will need a hire and reward policy - i will give you more info if you wont but i dont think this is what you are doing but had to give you all the options

Answer 3

what insurance do old ladies need to push a shopping trolley!!! i have been bashed so many times by old ladies when i was working in asda!

Answer 4

It should be covered under "Third Party" but you might want to check with your insurer in case there are exclusions for work or voluntary work.

Answer 5

I have met this kind of question before,I like to go to here to find some useful tips,it is always help.http://carinsurance.expertsupport.info/c...

Answer 6

If you are doing it out of the goodness of your heart i.e. not on a commercial basis - then it cost's nothing.

If you are charging them then you need a private hire insurance policy. VERY expensive.

(Further to the comments about pies and such - if you carry someone and at the end of the journey they offer you some money - or an apple pie then that is not 'carriage of passengers for hire or reward' - if someone says - "Can you take my mother to town - I'll give you a fiver" then that technically is!)

Answer 7

If you are not charging them, then you are just giving them a lift and not plying for hire, so there should not be any excess on your insurance.

I regularly pick up villagers and take them into town, to save them waiting for the bus and sometimes have arranged a time when I will be returning to drop them back home.

I get some lovely home made jams and chutneys from them.