"Commercial travelling" exclusion on insurance.

[Johnnytheboy]

I've just had cause to look at our insurance policy for work vans, and it rather oddly excludes use for "commercial travelling".



Go Compare defines this as:

"Covers social use and also using the vehicle for commercial travel, for example delivering goods or door-to-door sales."

So basically, what I do.

However, as it specifically allows "use for the policyholder's business", can I assume that what it means is that I am not allowed to use my van for business purposes EXCEPT for my employer?

[Johnnytheboy]

TooMany2cvs said:

Ask your insurer to clarify - IN WRITING - that you are covered for what you think you're covered for.

Yes, I've asked the relevant person in our organisation to ask the insurer already.

I was just wondering if anyone on here knew.

[Johnnytheboy]

Funnily enough the answer I have had from work is entirely different and I will paste it in later, basically: no door to door salesman use.

Suspect ph is right and work are wrong...

[Johnnytheboy]

dacouch said:

Johnnytheboy said:

Funnily enough the answer I have had from work is entirely different and I will paste it in later, basically: no door to door salesman use.

Suspect ph is right and work are wrong...

They've given you the answer I would have given.

P.S Do not use Go Compare as a reference, they write articles that they have researched by googling for the purpose of SEO, their articles are littered with mistakes

My finance director said:

What is actually meant by ‘commercial travelling’ in respect of the motor policy is use in connection with ‘unsolicited door to door sales people’, and so normal commercial business activities are fine. It looks like quite a broad cover exclusion, but what is meant is quite specific and defined within the policy. In addition, like the other exclusions (track days, speed testing, competitions etc) it is also a very general exclusion under standard motor policies and requires an extension to standard wording to include.

How does that sound then?

[Johnnytheboy]

BertBert said:

do we have any 'unsolicited door to door sales people' in the UK any more?

In a business-to-business sense, yes.