Paying insurance as Monthly

It was only £740 for my Micra.

Just got told i'd be getting £80 back after the first 90 days as well, winning!

Yeah how would his insurers ever know, all the guy has to say that he had relatives over and they ordered 4 pizza's, coke and garlic bread, and its in that oven wrap thing to keep them warm as his house is 4 miles away? You sound like a pudiyavana now

Nice!! My quote is at 1200 for a 98' micra, going to be paying 91 per month though. Micra's are too easy to get robbed these days man :/ So im getting a good steering lock, a wheel clamp, a gear level and handbrake lock, a door sticker that says that the car is GPS and is linked with the police, and am getting a dummy fashing LED light on the dash lol. That'l stop a thief from nicking it as they'l have to break 4 locks and a window 8)

What micra you driving? And your insurance is cheaper than mine Maybe its cause of area risk

If a copper has to be called to the scene of an accident and he has uniform on or anything telling, he's funked. Is it worth the risk?

Mine's a 1998 Micra.

They've got an imobliser so they shouldn't be easy to nick.
You can break the steering lock on it but that's not going to be much use without something to tow it away.
I wouldn't get a sticker saying the car has a GPS tracker. That way they'll know to block it using a GPS jammer. It'd be much more amusing when they see the police pull up outside a day later.
You should have a flashing LED in the dash anyway. This shows that the imobliser is working

Oh okay, so forget the Sticker, and all the steering wheel heavy duty lock, gear stick lock, hand brake lock, and wheel clamp then?

If a copper has to be called to the scene of an accident and he has uniform on or anything telling, he's funked. Is it worth the risk?

And even if not that, you could easily slip up whilst telling the insurer what happened. A guy I know did that - had a parking accident but had to go through insurance, and told the insurance company "oh, I had just been out to get whatever for work..." which they then said was business use.

Especially if you're a bit shook up after an accident you might not be thinking and say something!

And even if not that, you could easily slip up whilst telling the insurer what happened. A guy I know did that - had a parking accident but had to go through insurance, and told the insurance company "oh, I had just been out to get whatever for work..." which they then said was business use.

Especially if you're a bit shook up after an accident you might not be thinking and say something!

I thought that, but why are people saying you pay the following month after deposit. Surely you pay deposit then don't need to pay until two months time.

I hope you have business insurance as well because if not you will not be insured

Simple option would be just to add business cover, I think it cost me about £10 more..

Well i knocked the quote even more down to 1500 now, so 115 a month.
Its on a lil micra, just a little run around for when im doing pizza delivery etc, plus il get to earn NCB too which will be even better.

Why does it matter? Just as long as he doesn't claim after being in a crash with 4 large pizzas, a bottle of Coke and garlic bread found in the car then how would the insurer ever know?

Yeah how would his insurers ever know, all the guy has to say that he had relatives over and they ordered 4 pizza's, coke and garlic bread, and its in that oven wrap thing to keep them warm as his house is 4 miles away? You sound like a pudiyavana now

I know for a fact with Dominos, they insure your car effectivley when you're on pizza deliverys. So he might not need it.

Il rather take the risk, if you have your story straight from day one then you'l be alright. My dads been using his car for work for over 10 years, and he's only covered for SDP and commuting, however he does collections everyweek. He's had like 2 accidents, and they've both paid out.

People just over exagurate about this and that, e.g if i have a pizza in my car and have a crash, how can they prove i was doing a delivery? I wont be paying tax or nothing, the only people that would know im a delivery guy is the pizza boss.

For example if you bought a pizza and a coke bottle from the shop, and was driving home, and you smashed into someone. And then your insurance company says that you was using the vehicle for business and was doing a pizza delivery, whats your reaction gonna be? Your gonna say you dont work at all, your just a student. Exactly. Now what.

There wont be any prove at all im a pizza delivery worker as i wont be paying tax and its all cash in hand and no uniform, just car needed. The amount of bull**** on this thread is unbelievable mate, fix up

Hope you are happy with you being part of immigrants being exploited. Companies that don't give you a uniform, don't declare who works for them for tax purposes, pay cash in hand, etc are extremely likely to be doing something dodgy, maybe breaking the arms of people who are hooked on their drugs, maybe forced prostitution of people they use their profits to export over here, etc.

If you are using it for delivery, you post have business usage on it, and the big chains at least will check.



See above. The big companies will check (if they don't, they get in big ****). The smaller companies may not, but then if he gets caught, the company will be likely to go bust with the fines, and the driver is likely to be fined as well.



Decent pizza companies don't often give away their pizza bags. Nor will they often lie in court about a person being employed as their driver.



When I applied, I was told that I would need business insurance. So either your store is lying to you, or is offering a much better deal than mine.