Commuting clause on motor insurance

[hops]

Insurance you go to work to one place commuting, more than one business.

Just pay for social domestic pleasure and when you crash, you are just off out for a ride. To the shops etc.

All sounds good until the insurer or their agents do a bit of digging and discover you're lying. It wouldn't taken Poirot to check work rostas, shift patterns etc then you open a whole new Pandora's box. If you use your vehicle for any portion of your journey into work and you go to one fixed location that would constitute commuting. If you travel to more than location then that would be business use.

 

[Greg Masters]

What happens if the vehicle is used every once in a while (once every few months) to drive/ride to a specific (non fixed) location for work, where also using your own vehicle is voluntary and non expensed?

I think that there is a world of difference between riding to your normal place of employment (commuting) and riding to various places where you will exercise your professional skills (business use).

 

[EPG_19]

All sounds good until the insurer or their agents do a bit of digging and discover you're lying. It wouldn't taken Poirot to check work rostas, shift patterns etc then you open a whole new Pandora's box. If you use your vehicle for any portion of your journey into work and you go to one fixed location that would constitute commuting. If you travel to more than location then that would be business use.

It would take a huge amount of security clearance and computer hacking.

So how would they find my rosta?

Also I travel the exact same roads and same times when I go to the golf course on a day off. Albeit in the car. I also use the exact same roads to my local supermarket at the same time I leave for work as its quiet.

Stop living in fear. Be strong not weak.

 

[EPG_19]

Agree with all the above.
As said, I will ask my insurer(s). Thanks!

Basically my question is based on this. Stupid example: you do have a policy with commuting. You commute to work normally.
One day they ask you to complete a training course, another location 2 miles from the main office.
Without thinking too much about it (as any sane person would ) you drive to that location.
According to what we said in here, that would be classed business use. And you'd be driving without cover.

But then most folk on here talk absolute shit

 

[Sgt Bilco]

I have commuting and business insurance on my policy and I think it was an extra £60.

It allows me to ride to any destination in UK and Europe if I'm working and it also insures my bike when I'm carrying it around on or in the back of a truck I'm collecting or delivering.

All it took was a quick call and it was all sorted with no issues.

 

[Wapping]

It is clear to anyone with even the most basic command of English what ‘commuting’ means. If in doubt, picture (some might need to screw up their eyes really tight) what a ‘commuter train’ means, what ‘commuter belt’ means and, most importantly, what a person (a ‘commuter’) on those trains and living in that belt is doing.

Still not sure? The commuter is travelling on a regular basis (say five days out of five or three out of five, as nobody now works on Monday or Friday) from their usual place of residence to their usual place of work. It matters not that their ‘commute’ is by train, plane or automobile. Put simply, commuting is commuting is commuting.

Now, take my example. I walk from home to work, each time I go to the office and have done so for the last 20 years. My ‘commute’ is on foot, not by train, plane or automobile. I do not have the ‘commuting’ extension as I don’t need it. In short, my cover is Social, Domestic and Pleasure. Once a year I might pick up my bike in the morning from Battersea where it’s been serviced the day before and ride it to the office in the City, as that is efficient for me to do. Similarly, on the odd occasion where I might set off from the City to go on holiday, I might ride my bike to the office, to save going home first before setting off. Neither of these two activities are commuting, as they are both single, infrequent and unusual (unique) changes in habit. Similarly, me riding or driving to an airport and parking there to go on holiday or for a business trip is not ‘commuting’ either.

If though I rode my bike or drove a car on a regular basis to assorted sites to visit clients or I visited our offices in cities X, Y and Z on a regular basis that is either business use or - at best - commuting, more so besides if I was remunerated for the use of my vehicle, for example claiming back fuel or some form of mileage allowance or if the driving time was included within my say, 40 hour week. Again, most normal people know what they are doing in or around the working hours, particularly when they are ‘on business’ going from X to Y, rather than just going up the M1 to see their mum.

But hey, do whatever you like; the fuckers never pay (I read it here).

PS Never engage in conversation with the call centre chimps. They’ll move on next week to selling pet insurance or engage themselves in a university course on polishing nails.

 

[hops]

It would take a huge amount of security clearance and computer hacking.

So how would they find my rosta?

Also I travel the exact same roads and same times when I go to the golf course on a day off. Albeit in the car. I also use the exact same roads to my local supermarket at the same time I leave for work as its quiet.

Stop living in fear. Be strong not weak.

You do you buddy and I'll do me. Whilst it may be difficult for your insurer to obtain your shift pattern etc without your cooperation the very fact you theoretically refuse to provide it may be sufficient for a claim to be repudiated with their possible response being, 'take us to court, your T's & C's require you to cooperate with us in the event of any claim'. Also having posted your 'advise' on a publically accessible forum maybe isn't going to help?

 

[EPG_19]

You do you buddy and I'll do me. Whilst it may be difficult for your insurer to obtain your shift pattern etc without your cooperation the very fact you theoretically refuse to provide it may be sufficient for a claim to be repudiated with their possible response being, 'take us to court, your T's & C's require you to cooperate with us in the event of any claim'. Also having posted your 'advise' on a publically accessible forum maybe isn't going to help?

then I would go to court and win, easy. Even if they read this. You cannot have my rota, its restricted as secret, sorry old chap. Job done.

 

[Decompressing]

something else to consider is that you could, if you met the wrong cop, be in the frame for getting nicked for making a fraudulent statement to obtain insurance. Is it really worth it?

 

[Wapping]

something else to consider is that you could, if you met the wrong cop, be in the frame for getting nicked for making a fraudulent statement to obtain insurance. Is it really worth it?

Given that the chances of meeting any cop are slim, I’d put that imaginative concern to one side. No plod, unless you have committed an offence so serious that you’ll be calling for a solicitor *, is going to be too bothered if you are going to work or a barn dance.

* Money grabbing leeches, who are (just like that) suddenly your best friend and only lifeline. The same could be said of the thieving insurer, who shells up thousands for the awesome steed some scrote has stolen from under your nose. That is more than plod will do for you, as they can’t be arsed, allegedly.

 

[karlp]

then I would go to court and win, easy. Even if they read this. You cannot have my rota, its restricted as secret, sorry old chap. Job done.

So your rota would not be supplied even if requested by a legal entity

 

[EPG_19]

So your rota would not be supplied even if requested by a legal entity

Correct, well it could be (with crown court warrant or above) but would have to be redacted to be completely unusable