Car Insurance

[anette]

Are you insured under a normal car insurance to transport medication from pharmacy to patients home?

[mrs_overall]

Is it part of your job or just a favour for a friend/relative?

[PiedPiper13]

I doubt it, sounds like business use.

[Buenchico]

Almost certainly not, except possibly in an emergency.

When I was teaching we were always reminded that teachers couldn't drive sick children home unless they'd got business insurance. Most insurers now state that they'll regard such occasional journeys as acceptable 'emergencies' but regular transport of pupils is still not permitted on 'personal' insurance. There seems to be an analogy with the circumstances you describe.

[anette]

As a volunteer to help elderly residents in the village on a regular basis.

[mrs_overall]

In that case you need business insurance

[Buenchico]

If you tell your insurer about it, they'll cover you at either no cost or for a very small addition to your premium. I've got business insurance and I was surprised at how little it added to my premium.

[woofgang]

I don't think its business insurance as in taxi driver. It used to be called "full class A," travel to and from work and for use by the driver during work but not racing, testing or plying for hire. As Chris says, it costs very little indeed to add it to fully comp.

[ABerrant]

http://www.abi.org.uk/information/consumers/general/volunteer_driving_.aspx