Am I insured to carry someone in my care in my car.

[DAS68]

I am a Care Worker and I have fully comp insurance including business use. Am I covered to take someone in my care out in my car. I have been told that I am not because I am carrying someone to a place of their choice for reward so I am like a taxi driver, I stongly disagree, i do get paid and I do claim mileage but my insurance tells me I am covered. Does anyone know the answer

[bednobs]

if your insurance says you are covered, they are the only people who matter!

[woofgang]

I have been in this position. You are NOT plying for hire, you are NOT like a taxi driver. The insurance that you need (and probably have) used to be called "full class A" social, domestic, pleasure, travel to and from work and use at work."

Provided that your insurance company have said that you are covered, then you are covered. Can i ask who has said that you are not covered and what the basis for their statement was?

[Gizmonster]

It seems like you're being told by a know-it-all that you're not covered. You have business use and your insurance tells you that you are covered ...... just ignore them.

[DAS68]

work have told me, some big wig in head office, they quoted, busniess use does not cover the transportation of a service user (client), carrying a person to a place of their choice for reward is not the same as busniess use.

thanks everyone

[SirOracle]

Looks like your Big Wig is in fact correct.If you are paid by the passenger then this is carrying a passenger for reward and is specifically excluded. You can of course take them out if they do not pay you.

[woofgang]

That depends. If you carry the person for a fee which they pay you, no you are not covered. If you carry that person and claim a mileage allowance from your employer for doing so, then yes you are covered.

[EDDIE51]

As long as you only get expenses and not a profit you are covered.
I sometimes do some driving for the Hospital car scheme as a volunteer I get 45p a mile but it is expenses not a profit. My insurance covers it. Next month we are getting a motability car as my wife gets higher rate mobility payment I checked and the motability insurance covers voluteer driving as well.

[EDDIE51]

Woofgang just to clarify , under the Hospital car scheme the passenger pays the driver but only the 45p a mile, it still counts as expences only.

[woofgang]

indeed Eddie, you are right, my experience of the local hospital car scheme is that the passenger pays the scheme who reimburse the drivers on the basis of total mileage, which is why I replied as I did, but yes, the passenger can pay the driver directly provided that they only pay expenses.