Hi I have a fully comp car policy that covers me for "Social Domestic and Pleasure, including Commuting". In addition to my full time job, I am thinking about earning a little extra money by providing photography tuition. I would only be doing this a couple of times a year so I'm not embarking on a 2nd career just yet! I already have photography insurance to cover equipment and public liability, but I have a question about taking people in my car. As it is outdoor photography I may need to drive people from one location to another. i.e. Do a bit of car sharing. I notice from the policy wording that cover for passengers is "Any person using (but not driving) the car, with your permission, for social, domestic and pleasure purposes". Am I still covered if I take someone in my car if they have paid me for my photography services? I notice that there is a policy exclusion that says "You are carrying the passengers as part of a business of carrying passengers". This seems to relate to taxi type scenarios. As people aren't paying me to drive them somewhere I don't think this applies. Any advice? Thanks
Hi
I can confirm that your cover provides for carriage of non fare paying passengers.
My Son in Law provides the same occasional photography tuition as yourself !
Best wishes, Chris,
Good Morning If you're satisfied with the advice that i have provided to your query Can you please "Accept as a Solution" for me to clear down. Much appreciated, and good luck with your photography tuition.Best wishes, Chris,
Hi I can see how the wording makes you unsure.I would suggest you call the car Insurance Team and check it out with them.The Car Insurance team are available on 0345 246 2895 (Mon - Fri: 9am - 6pm, Sat 9am - 2pm Sun: Closed). They'll do everything they can to assist you.Hope this helps!Caz
Morning Thanks so much for your reply. I notice a colleague of yours later suggested that I phone into verify though. Am I ok to go with your response? Cheers
Hi
Absolutely, and you’re most welcome.
I checked this out thoroughly before advising accordingly.
As long as you’re not carrying fare paying passengers you’re fine.
Kind regards, Chris,
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17-08-20 10:27Verified AnswerHi
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