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Old 27-11-2010
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Tony Ferrari Tony Ferrari is offline
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Forum Handle: Tony Ferrari
Join Date: Aug 2008
Location: Milton Keynes
Posts: 4,469

You are obliged to notify your insurance company as if you make a claim and they find out you are "responding" they may use it as an excuse to refuse your claim.

I don't know when you contacted Adrian Flux but since our current arrangement started they know exactly what 4x4 Response members are and do.

I do agree that volunteer driving is social and domestic use as long as you are only recompensed for fuel used. This is also reinforced by an agreement made between Local Authorities and Insurers back in 1999, we are currently trying to obtain a copy of this agreement.

Not for profit volunteer driving is generally defined by claiming no more than 40p a mile (the rate set by HMRC). Above this and they consider you are making a profit and therefore ARE being paid. In addition it could be considered that you are operating an unlicensed taxi!

Nationally we have been in discussion with the Civil Contingencies Secretariat who have agreed to talk to the Association of British Insurers (ABI) about this issue, and hopefully reinforcing the 1999 agreement (this time with National Government) although unfortunately the ABI can only advise insurers but they don't have to follow this advice.

Obviously we get a lot of posts of this nature and a common theme is that the cheapest policy won't allow me to do 4x4 response work. I would advise people that the cheapest may not be the best, for that and many other reasons. After all you get what you pay for!
Tony Ferrari MEPS DipHEP

Honorary Life Member of 4x4 Response UK
Founder and member of Hertfordshire 4x4 Response

Vehicles: VW Transporter 4x2 "Command and Control vehicle" Various 2x1 response vehicles (KTM 1090 Adventure R / KTM 450 EXC Rally / KTM 250F Freeride)
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