Apparently a large percentage of us are not insured??
Discussion
Complete nonsense. I think every fully comprehensive or even third party policy covers commuting to a fixed place of work unless it's specifically sold as a social, domestic and pleasure policy only. Where people get caught out is thinking that a comprehensive policy covers you when you work at multiple locations. In order words, you drive for work. Plumbers, electricians, tradesmen and delivery drivers as well as travelling salesmen would count as not having a fixed place of work, and so they would not be covered by a regular fully comprehensive policy.
Not quite the same, but I remember this causing a stir a few years ago. the police seized a woman's car as she didn’t have commuting on her insurance:
https://uk.finance.yahoo.com/news/motorist-car-sei...
Pretty sure on the comparison sites it defaults to everything and then you have to click lesser levels. I can see some people getting it wrong by accident and a lot of people getting it wrong on purpose.
https://uk.finance.yahoo.com/news/motorist-car-sei...
Pretty sure on the comparison sites it defaults to everything and then you have to click lesser levels. I can see some people getting it wrong by accident and a lot of people getting it wrong on purpose.
It doesn't bear thinking about does it??
There is a huge rise in Insurance Fraud perpertrated by gangs delibrately making it so that people run into them and then getting huge sums for Whiplash which is the easiest thing in the world to pretend you have.
And there are people of my Generation (for instance) ..whose Parents have said go Comprehensive(the word is misleading) not 3rd Party and are driving around thinking they are covered when they are not(like the person in the clip on the M62)??I understand tho that Insurers are duty bound to cover the Third Party aspect of the Insurance....BUT ....we all know how clever they are at wriggling out of paying ???
Moreover its Pennies to have it applied (and a lot of Insurance Companies don't charge at all).
Must keep the Ombudsman busy??
There is a huge rise in Insurance Fraud perpertrated by gangs delibrately making it so that people run into them and then getting huge sums for Whiplash which is the easiest thing in the world to pretend you have.
And there are people of my Generation (for instance) ..whose Parents have said go Comprehensive(the word is misleading) not 3rd Party and are driving around thinking they are covered when they are not(like the person in the clip on the M62)??I understand tho that Insurers are duty bound to cover the Third Party aspect of the Insurance....BUT ....we all know how clever they are at wriggling out of paying ???
Moreover its Pennies to have it applied (and a lot of Insurance Companies don't charge at all).
Must keep the Ombudsman busy??
I'm pretty sure that every time I've ever set up car insurance I've been asked what I'll be using the car for - social, domestic and pleasure or social, domestic and pleasure plus commuting (or words to that effect). Since I do use the car for commuting I say that yes, I would like to be covered for commuting. If people are unable to navigate this simple bit of admin I'm not sure I want to be sharing the roads with them tbh.
Also bear in mind there’s another category called business use - if you use your car to travel to other locations, eg to visit client sites, you’ll need to ensure you’re covered for that too.
I don’t believe it makes much, if any, difference to premiums - we have it on both our daily drivers however as we both regularly have to travel for work purposes (in fact, my wife works for a multinational and they require annual proof of business use insurance).
I don’t believe it makes much, if any, difference to premiums - we have it on both our daily drivers however as we both regularly have to travel for work purposes (in fact, my wife works for a multinational and they require annual proof of business use insurance).
Nibbles_bits said:
Have they?
Yes. Set up roadside check. Pull over every 5th car, or play snooker, or pick them.based on random stereotypes. check tyres, mot status, drivers details, and insurance details Taxed ? Where are you going? Just popping to see my mum.
I'm.going to work and you are making me late.
Ah, your insurance doesn't cover that sir.
And you numberplate is wrong too.
Indecision said:
Also bear in mind there’s another category called business use - if you use your car to travel to other locations, eg to visit client sites, you’ll need to ensure you’re covered for that too.
I don’t believe it makes much, if any, difference to premiums - we have it on both our daily drivers however as we both regularly have to travel for work purposes (in fact, my wife works for a multinational and they require annual proof of business use insurance).
Depends how old you are, and what your job is. I don’t believe it makes much, if any, difference to premiums - we have it on both our daily drivers however as we both regularly have to travel for work purposes (in fact, my wife works for a multinational and they require annual proof of business use insurance).
LunarOne said:
Complete nonsense. I think every fully comprehensive or even third party policy covers commuting to a fixed place of work unless it's specifically sold as a social, domestic and pleasure policy only. Where people get caught out is thinking that a comprehensive policy covers you when you work at multiple locations. In order words, you drive for work. Plumbers, electricians, tradesmen and delivery drivers as well as travelling salesmen would count as not having a fixed place of work, and so they would not be covered by a regular fully comprehensive policy.
You might want to check your Policy if you use your vehicle to commute.Pit Pony said:
LunarOne said:
Complete nonsense. I think every fully comprehensive or even third party policy covers commuting to a fixed place of work .
That is so wrong. 
. One poster confidently (and quite rudely) tells another they are wrong, when in fact they are correct !Makes for good entertainment.
How do people not know this? The comparison sites have a drop down for increasing level of cover for “Comprehensive” insurance:
Social, Domestic & Pleasure only (no work related use)
Commuting (includes travel to a place of work)
Business (includes driving to various places for business)
I don’t think the Police particularly care but the insurance company may well care if you make a claim. What were you doing at the time of the accident? Driving to work? Well your policy is SDP only so no cover.
Social, Domestic & Pleasure only (no work related use)
Commuting (includes travel to a place of work)
Business (includes driving to various places for business)
I don’t think the Police particularly care but the insurance company may well care if you make a claim. What were you doing at the time of the accident? Driving to work? Well your policy is SDP only so no cover.
GasEngineer said:
Pit Pony said:
LunarOne said:
Complete nonsense. I think every fully comprehensive or even third party policy covers commuting to a fixed place of work .
That is so wrong. . One poster confidently (and quite rudely) tells another they are wrong, when in fact they are correct !Makes for good entertainment.
Vehicle usage relates to whether you’re covered for commuting or not (the clue is surely in the name!).
I’d be very surprised if a comprehensive policy where someone selected SDP, rather than SDP+C included cover for a commute to their office.
Edit: from the horses mouth
https://www.comparethemarket.com/car-insurance/con...
comparethemarket said:
1. Social, Domestic and Pleasure (SDP)
SDP is when you use your car for everyday social driving, like visiting friends, doing the school run and shopping.
2. Social, Domestic, Pleasure and Commuting (SDP+C)
This class covers the same as SDP but includes journeys to and from work. It also includes driving to and from the train station and leaving your car there to take the train to work, and even driving someone else to work.
Just be aware that, typically, only one place of work is covered. If you travel to a number of places for work, it’s likely you’ll need the next level of cover.
I had thought this was common knowledge? Pretty astounded people don’t know. Do none of you read the contracts you’re signing up for, or check with your broker or on line when getting insurance to understand what the differences are?SDP is when you use your car for everyday social driving, like visiting friends, doing the school run and shopping.
2. Social, Domestic, Pleasure and Commuting (SDP+C)
This class covers the same as SDP but includes journeys to and from work. It also includes driving to and from the train station and leaving your car there to take the train to work, and even driving someone else to work.
Just be aware that, typically, only one place of work is covered. If you travel to a number of places for work, it’s likely you’ll need the next level of cover.
Edited by DanL on Saturday 20th April 08:02
Roger Irrelevant said:
I'm pretty sure that every time I've ever set up car insurance I've been asked what I'll be using the car for - social, domestic and pleasure or social, domestic and pleasure plus commuting (or words to that effect). Since I do use the car for commuting I say that yes, I would like to be covered for commuting. If people are unable to navigate this simple bit of admin I'm not sure I want to be sharing the roads with them tbh.
Since I've been driving (1988 on) this has always been the case.Problem is folks don't bother to check what cover they have. They check price and make assumptions.
I work for a company that has two sites about 5 miles apart. I am based at one site but from time to time will work at or sometimes just visit the other site. You'll be surprised the number of people who do this but don't have business insurance. On the other hand my partner works at a motorway services which has a site on each side of the motorway, she is required to work on either side. Fortunately her insurance company treats this as one site for insurance reasons.
Edited by NikBartlett on Saturday 20th April 08:47
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