Individuals who Work from home enjoy the very considerable advantage of ducking the morning and evening rush hour traffic. We also get the opportunity to be quite smug about our green credentials as we use our cars much less than our peers who don’t work from home, thereby creating far less environmental impact.

But, apart from feeling good and saving on fuel bills, could there be any other direct monetary benefits from working from home?

The answer may lie in your car insurance. It is not well known that most car insurance companies can offer cheaper cover to car owners who work from home and therefore do not use the car in conjunction with their business. It is also quite common for insurance companies to offer discounts for low mileage car owners. This type of insurance is often used by owners of classic cars who usually only drive at weekends. The annual mileage limit for this type of policy is normally about 5,000 per year. So if, by working from home, perhaps doing Online jobs, you find yourself below that threshold then have a word with your insurance company and discover what savings could be made.

Do ensure though that you furnish an insurance company with the full facts about your driving habits. For example, if you work from home but undertake frequent journeys to meet clients then an insurer could take the opinion that your car usage is for job purposes. However if all you do is online jobs from home then it seems certain that you would qualify for some kind of discount. It is essential however not to misinform your insurers. If you make any false statements on an application form then your insurers may not be willing to pay out should you ever need to make a claim.

So why not use your work from home status to secure the best possible deal on your car insurance.