Vehicle wrap and insurance?

[nextdayprint]

Does anyone know if you wrap a private vehicle with advertising for a business do you have to change your insurance or not? If you just have insurance for non-business use and driving to and from work but not deliveries etc.

 

[TheGuru2010]

Does anyone know if you wrap a private vehicle with advertising for a business do you have to change your insurance or not? If you just have insurance for non-business use and driving to and from work but not deliveries etc.

You will not need to increase your insurance to business use etc, you should however put a call into your insurers to make sure they are ok with this, some insurers are fine but others see it as a modification & at higher risk of vandalism so either dont cover it or request more £££s.

Good Luck

 

[Lee Jones Jnr]

There was a thread about wraps and insurance a little while back. As I recall Stugster did the leg work and the conclusion was that it didn't affect insurance but of course it is best to check with your own insurance company.

Hope that helps petal.

 

[JazzyJust]

I'm considering having the boot of my Zafira wrapped to advertise my company as well, so thanks for the heads up on the insurance front

 

[PhilWarman]

Make sure you have the correct class of use for what you are doing. And remember that in the event of a claim (total loss or just damage) I doubt the insurer will contribute towards re-wrapping the vehicle..

 

[I Love Spreadsheets]

I spent 10 years working in Admiral Insurance and I can tell you, you will need to declare it to your insurance company as it will effect your insurance.

(1) They will see it as a modification that will attract an additional risk of break in's (Commercial vehicles tend to be targeted more by thieves)

(2) Even though you are not doing any business miles they may still class you as needing business use as you are basically driving an advert.

(3) If you should be involved in an accident and they find anything inside the vehicle relating to your business it could invalidate your claim if you dont have the relevant business coverage.

However, from memory it had little impact on the premium.

 

[roydmoorian]

My insurance company covers all cars for business & private use unless specifically asked not to do so.

 

[JazzyJust]

When you say anything in the vehicle that relates to business does that include business cards and works mobile.

I know this might be a stupid question but people nowdays need to cover all the bases.

 

[stugster]

As long as you're not using the vehicle for work, then you don't need business insurance.

Having said that, when I moved from normal insurance to business, my premiums actually came down!

 

[I Love Spreadsheets]

In the main, that is right, however different insurance may see it differently. Some will see driving around in an advert as business use.

 

[movietub]

There is no way anyone can claim that a wrapped vehicle advertising a business is not used for business! Business use insurance costs very little extra and will avoid any possible future dispute.

Since the business is paying for the wrap (One assumes) then driving to get the wrap done would qualify as business use. As would driving to the bank to do any transaction in relation to the business etc etc.

 

[TheGuru2010]

There is no way anyone can claim that a wrapped vehicle advertising a business is not used for business! Business use insurance costs very little extra and will avoid any possible future dispute.

Since the business is paying for the wrap (One assumes) then driving to get the wrap done would qualify as business use. As would driving to the bank to do any transaction in relation to the business etc etc.

This statement is not 100% true, there used to be a company that would let you lease a vehicle very cheap say £100 a month when everyone else was at £300 per month.

The trick was that the car you drove around was signwritten for a vehicle & they then sold this as advertising space - Just like a bus.

 

[movietub]

This statement is not 100% true, there used to be a company that would let you lease a vehicle very cheap say £100 a month when everyone else was at £300 per month.

The trick was that the car you drove around was signwritten for a vehicle & they then sold this as advertising space - Just like a bus.

That's entirely different - that's the lease company advertising on one of their business vehicles (whatever the tax arrangement may be for lease companies) that they subsequently subsidise by the ad revenue when they lease it out. It is in no way the same as driving a car you have paid to put your own company advert on.

If it were, we could all claim our TV's were business purchases on the basis adverts appeared on them.

 

[nextdayprint]

That's entirely different - that's the lease company advertising on one of their business vehicles (whatever the tax arrangement may be for lease companies) that they subsequently subsidise by the ad revenue when they lease it out. It is in no way the same as driving a car you have paid to put your own company advert on.

If it were, we could all claim our TV's were business purchases on the basis adverts appeared on them.

There also used to be a company that would pay you £250 a month to wrap your vehicle with advertising. They would put a little tracker in your car and your car had to be under 7 years old and in good condition. Not sure if it still exists, as it was about 6 or 7 years ago in London that I saw it.

 

[Samsurvivor]

do you have to change your insurance