Transportation Of Equipment

Anyone know the legal ins and outs of using a car (any type hatchback/estate etc) to transport any forms of equipment?

Heard that if you use your car to transport kit to a disco - it is likely that you are not covered by insurance to do so - therefore driving without insurance!

EH?!! whats the difference between carting yer gear from home to a gig and filling the car with rubbish yer wife wants shot of down and taking it down the dump?!

:daft: :bang::daft: :bang::daft: :bang::daft: :bang::daft: :bang:

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Originally Posted by djwiggy50

Anyone know the legal ins and outs of using a car (any type hatchback/estate etc) to transport any forms of equipment?

Heard that if you use your car to transport kit to a disco - it is likely that you are not covered by insurance to do so - therefore driving without insurance!

EH?!! whats the difference between carting yer gear from home to a gig and filling the car with rubbish yer wife wants shot of down and taking it down the dump?!

:daft: :bang::daft: :bang::daft: :bang::daft: :bang::daft: :bang:

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So long as you inform your insurance it is for business use - and specify DJ use - you are ok.

Make sure you sit down though when you do inform them as the extra costs can often be quite a shock :eek:

are you not just 'commuting to work' for insurance purposes?

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Originally Posted by Retrodisco

are you not just 'commuting to work' for insurance purposes?

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Normal insurance policies usually have a commuting clause stating "to one fixed place of work"

I cant see how they can justify there being such a difference.

Obviously there is the added issue of excess weight in the back, but its like I said, how is carting kit any different to filling the car with something else of perhaps a similar weight - Rubbish/luggage/furniture?

Surely there is a ''get of jail free card'' somewhere?

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Originally Posted by djwiggy50

I cant see how they can justify there being such a difference.

Obviously there is the added issue of excess weight in the back, but its like I said, how is carting kit any different to filling the car with something else of perhaps a similar weight - Rubbish/luggage/furniture?

Surely there is a ''get of jail free card'' somewhere?

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It has nothing to do with what you carry - you are using your car for business use. Commuting to and from work is completely different.

Maybe i could class the trip as being my social commute ?

I'm going to party and I'm bringing the entertainment therefore im being a social chap :D

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Originally Posted by djwiggy50

Anyone know the legal ins and outs of using a car (any type hatchback/estate etc) to transport any forms of equipment?

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Quote:

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Originally Posted by Retrodisco

are you not just 'commuting to work' for insurance purposes?

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Quote:

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Originally Posted by djwiggy50

Surely there is a ''get of jail free card'' somewhere?

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Please tell me I didn't just read this lot on MDD of all places :zip:

Are you lot REALLY that naive?

If you are moving kit you are not commuting you are transporting the chatels of your employ. Commuting to a place of work is also to a fixed location.
For example if you were a resident DJ and took your hard drive in the car to the same venue every event which had an install kit, that is commuting, no need for business insurance. If you were dragging kit, you need business insurance.

If you want to keep it down you are an entertainer. Just make sure you can justify that status by doing more than just mobile disco's

Having the correct insurance is essential!

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Originally Posted by Vectis

Please tell me I didn't just read this lot on MDD of all places :zip:

Are you lot REALLY that naive?

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But surely one of the purposes of the forum is to ask questions to be answered - if we didnt ask questions however dumb, naive or stupid - there wouldnt be anything to make you want to bash your head against the keyboard? :banghead:

Besides its only something I've considered doing to reduce costs of running another vehicle - thought I'd check out the legalities from the people who've been there and done that :D

I suppose what I should have asked was whether there was a specific insurance that covers the use of equipment transportation in a car.

anyone use this 'entertainer' loophole? Blow up some balloons at the gig maybe? :)

You must have a clause in your insurance saying something like "business use in connection with the insured's business ".

There is no way on God's green earth that you will find a loophole in your favour, but you can bet your life that there are plenty facing the other way.

If you haven't declared it to your insurance company ( and probably paid extra for the privelege ) you can rest assured that your insurance will be void, and you'll be up the creek without a paddle, should anything happen.

Bear in mind also, that it doesn't have to be you at fault to fall foul of it. If some :muppet: runs into you, and you're blameless, all your details will still be checked.

also if you were to get stopped by the police while obviously carrying kit for work purposes they will put 2 and 2 tether when they check you details and insurance status and as you won't be insure they now have the power to seize the car and make you walk home and pay lots of money to get you car (and kit) back or maybe even just crush the lot.

Don't be tempted to take shortcuts on insurance declarations.

You are working as a DJ, will be leaving pubs/hotels etc late at night with a car full of gear.
Tell the insurance company you are a DJ.

No-one in forum land will be paying your fine/points or helping you find insurance after being caught.
Lots of DJ's are uninsured; ie are not declaring their occupation, so will be seen to be uninsured if they are involved in a claim or simply pulled over by the police.

If you think the extra £££ is a problem, wait until you try to get insurance after being found out for lying to insurance companies.


My own insurance is pretty high, they call it "dual occupancy" - ie a Day job, so commuting and business use & pleasure, and then the DJing.
£1000/year, 40yr old, clean licence, close to London for a Vivaro Van, fully comp.

I got a very good deal this year with my girlfriend as named driver, bussiness policy and as a mobile DJ. Churchill on a well know brand of family car.
I think it was about £3-400?

You need to declare everything as insurance people are not stupid. More importantly it can be used against you is you run someone over etc.

We use the term 'lighting technician' on our van for insurance purposes, that's much cheaper than 'DJ' in our experience!

Thanks for the insight guys, will be comparing the meerkat later on.

I use A Plan insurance broker for Business use as DJ for my Citroen Relay 1.9D X reg. Cost is £280 fully comp and I have full no claims bonus.
Look up A Plan and they will find the cheapest they can which you may like, or may not and go elsewhere.

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Originally Posted by yourdj

I got a very good deal this year with my girlfriend as named driver, bussiness policy and as a mobile DJ. Churchill on a well know brand of family car.
I think it was about £3-400?

You need to declare everything as insurance people are not stupid. More importantly it can be used against you is you run someone over etc.

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A good point Toby. In fact, if it was found out that you had not declared relevant information, you would be uninsured. So even if you roll into a car and they claim whiplash... the DJ would be personally liable for settling the claim for damage, injury and any lost time from work of the 3rd party.

If you are not being 100% honest with your insurer, you may as well not bother with insurance...


I'm up for renewal in a few months, I'll try Churchill..

comparethemarket.com gave me a good quote with Admiral at £285.19 the AA who I am with now was £449.00 no courtesy van included with Admiral though, but I expect its only free with AA for a week or something anyway. So I'll be renewing with them in the next couple of days.

Oh thats fully comp, vw transporter 1.9 tdi 4 years no claims <(reason for edit)