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Original poster

Mileage and travel for work

88 replies

ThatBluntLimeStork · 03/07/2025 18:45

Just Realised I don't have business insurance and wanted to make a claim for work mileage. Can't do it because I need business insurance. I sometimes travel to one office so use commuting insurance. Sometimes to another office within a couple of miles and insurance stated it was ok.

However I've been travelling miles for work this week and now I think I'll be trouble for work.

I'm not Required to have a car for work, don't get an allowance and have agile contract.

Will I be in trouble?

I accept I've just wasted a tank of petrol with my travel.

OP posts:
Original poster
ThatBluntLimeStork · 03/07/2025 19:01

RainbowBagels · 03/07/2025 19:00

Hmrc m7st have started c4acking down on this or something because I've been told to get it too. It was about £3 extra when I amended my policy though

I don't think the rules have ever changed.

OP posts:
RainbowBagels · 03/07/2025 19:00

Hmrc m7st have started c4acking down on this or something because I've been told to get it too. It was about £3 extra when I amended my policy though

Original poster
ThatBluntLimeStork · 03/07/2025 19:00

ClareBlue · 03/07/2025 18:57

Were you just going between bases or actually carring out a business function. Check you insurance because some cover between offices without it being a business risk.

I was visiting houses for a meeting. I work in housing.

So I probably should have got business insurance in the first instance as it's not much more expensive.

OP posts:
Original poster
ThatBluntLimeStork · 03/07/2025 18:58

Overthebow · 03/07/2025 18:55

You may have issues then, you do need business insurance so that your insurance is valid, but sounds like your work also check this and it’s in the policy.

Show quote history

I don't because I checked with my own insurance....

My work don't check because I don't get a monthly allowance as I'm not essential. I'm an agile worker and occasional travel to sites maybe necessary.

However my role has changed (just because they want my help) and I've done heaps of traveling and will do for the future. So I paid for the business insurance as I will need that according to my own insurance policy and also to claim mileage. I don't have a car allowance

OP posts:
ClareBlue · 03/07/2025 18:57

Were you just going between bases or actually carring out a business function. Check you insurance because some cover between offices without it being a business risk.

Jabberwok · 03/07/2025 18:57

So next time they ask you say no. Or they need to hire a car with the appropriate insurance as you don't have businesses cover on your motor insurance.

I'm surprised that your boss expected you to use your own car to travel for work.

Overthebow · 03/07/2025 18:55

ThatBluntLimeStork · 03/07/2025 18:53

I went to complete the online expense form and found out I wasn't authorized. So asked HR and then they said I need business insurance, it's within the mileage policy

Show quote history

You may have issues then, you do need business insurance so that your insurance is valid, but sounds like your work also check this and it’s in the policy.

AmIHumanOrAmIAYeti · 03/07/2025 18:55

Valid8me · 03/07/2025 18:47

I've occasionally claimed mileage before and have never had business insurance, I ddin't know you were supposed to? WHo would know anyway?

Rub another brain cell against it.

What happens if you are driving for work and have an accident that you aren’t insured for…….

Original poster
ThatBluntLimeStork · 03/07/2025 18:55

Valid8me · 03/07/2025 18:47

I've occasionally claimed mileage before and have never had business insurance, I ddin't know you were supposed to? WHo would know anyway?

Your HR team should have policies. I think hmrc say need business insurance

OP posts:
Original poster
ThatBluntLimeStork · 03/07/2025 18:54

Overthebow · 03/07/2025 18:48

Do your company ask to see the business insurance? Mine do and won’t let staff drive for work without it. If yours doesn’t check then just submit the claim and get the insurance before you next drive for work.

They don't for my position as I'm non essential car use staff. But they would if they pay extra every month in the form of a car payment

OP posts:
Original poster
ThatBluntLimeStork · 03/07/2025 18:53

Overthebow · 03/07/2025 18:48

Do your company ask to see the business insurance? Mine do and won’t let staff drive for work without it. If yours doesn’t check then just submit the claim and get the insurance before you next drive for work.

I went to complete the online expense form and found out I wasn't authorized. So asked HR and then they said I need business insurance, it's within the mileage policy

OP posts:
Overthebow · 03/07/2025 18:48

Do your company ask to see the business insurance? Mine do and won’t let staff drive for work without it. If yours doesn’t check then just submit the claim and get the insurance before you next drive for work.

Valid8me · 03/07/2025 18:47

I've occasionally claimed mileage before and have never had business insurance, I ddin't know you were supposed to? WHo would know anyway?

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