Pulled over for tints-Getting 6 points for invalid insurance
Discussion
Foss62 said:
This is what I found:
https://www.lv.com/car-insurance/for-car-insurance...
So for all those who are wondering why some PH contributors are a bit confused, it might be due to the actual insurers posting contradictory things….
I’m sure LV used to cover commuting as standard - when I put our kids on wife’s car, the LV call centre person made a comment about them only using the car and occasionally not going to college in it - I asked her to point to where that wasn’t allowed and she then said it would be OK, but not regularly. Moot point as they where away at uni and never went to a college, but it just felt like she had to get some comment in about limiting their use.https://www.lv.com/car-insurance/for-car-insurance...
So for all those who are wondering why some PH contributors are a bit confused, it might be due to the actual insurers posting contradictory things….
Edited by Sheepshanks on Thursday 23 May 15:59
Foss62 said:
Just realised that Wrekin beat me to it and added a further twist. It would be interesting to know what the ‘holier than thous’ and resident experts have to say about this 
.
LV always ask if I need commuting cover, since we have B as well, why do they bother? I was retired for a few months (until boredom set in) and 'my' car was only allowed to be SD&P for me. No extra cover at all, even for my wife. Solved that by going back to work..911hope said:
jm doc said:
See above. Poster makes a categorical statement then immediately contradicts it by qualifying it, thus rendering it incorrect.
Some insurers accept that it is domestic.
Correction.Some insurers accept that it is domestic.
It is stated that......Some insurers include commuting in a sdp titled policies. You will find that the policy wording permits commuting.
This is NOT the same as equating commuting to domestic.
"Social, domestic, and pleasure (SD&P) refers to an insurance policy that permits personal trips in your car. It includes cover for everyday activities such as driving to the shops, visiting family, or commuting between home and work. With LV= Car Insurance we define SD&P as including driving to a single workplace, provided there are no business-related stops made during the journey."
They agree that commuting is an everyday activity, the same as other domestic activities such as driving to the shops or to visit family.
Of course, as others have pointed out, if your policy specifically states " No commuting", which you would expect it to, then it's pretty hard to get out of it if you are caught commuting.
jm doc said:
911hope said:
jm doc said:
See above. Poster makes a categorical statement then immediately contradicts it by qualifying it, thus rendering it incorrect.
Some insurers accept that it is domestic.
Correction.Some insurers accept that it is domestic.
It is stated that......Some insurers include commuting in a sdp titled policies. You will find that the policy wording permits commuting.
This is NOT the same as equating commuting to domestic.
"Social, domestic, and pleasure (SD&P) refers to an insurance policy that permits personal trips in your car. It includes cover for everyday activities such as driving to the shops, visiting family, or commuting between home and work. With LV= Car Insurance we define SD&P as including driving to a single workplace, provided there are no business-related stops made during the journey."
They agree that commuting is an everyday activity, the same as other domestic activities such as driving to the shops or to visit family.
Of course, as others have pointed out, if your policy specifically states " No commuting", which you would expect it to, then it's pretty hard to get out of it if you are caught commuting.
Can you add the link to the document?
ConnectionError said:
jm doc said:
911hope said:
jm doc said:
See above. Poster makes a categorical statement then immediately contradicts it by qualifying it, thus rendering it incorrect.
Some insurers accept that it is domestic.
Correction.Some insurers accept that it is domestic.
It is stated that......Some insurers include commuting in a sdp titled policies. You will find that the policy wording permits commuting.
This is NOT the same as equating commuting to domestic.
"Social, domestic, and pleasure (SD&P) refers to an insurance policy that permits personal trips in your car. It includes cover for everyday activities such as driving to the shops, visiting family, or commuting between home and work. With LV= Car Insurance we define SD&P as including driving to a single workplace, provided there are no business-related stops made during the journey."
They agree that commuting is an everyday activity, the same as other domestic activities such as driving to the shops or to visit family.
Of course, as others have pointed out, if your policy specifically states " No commuting", which you would expect it to, then it's pretty hard to get out of it if you are caught commuting.
Can you add the link to the document?
https://www.lv.com/car-insurance/for-car-insurance...
The way it is presented and written implies that this is a general stance taken by the company on SDP - not for specific insurance policies.
As long as this statement is accessible, I would have thought LV would be on very thin ice with individual policies that contradicted it.
cay said:
You don't have to include 'commuting' in insurance...
https://www.lv.com/car-insurance/for-car-insurance...
Yes you do. That article even explains that you have tohttps://www.lv.com/car-insurance/for-car-insurance...
They have SDP, SDP including commuting and SDP with commuting and Business. Three separate levels of cover.
cliffords said:
cay said:
You don't have to include 'commuting' in insurance...
https://www.lv.com/car-insurance/for-car-insurance...
Yes you do. That article even explains that you have tohttps://www.lv.com/car-insurance/for-car-insurance...
They have SDP, SDP including commuting and SDP with commuting and Business. Three separate levels of cover.
Anyone coming from the point of reading that first would not go looking for additional levels of cover for their personal trips to work.
Foss62 said:
The link has been posted several times but here it is again:
https://www.lv.com/car-insurance/for-car-insurance...
The way it is presented and written implies that this is a general stance taken by the company on SDP - not for specific insurance policies.
As long as this statement is accessible, I would have thought LV would be on very thin ice with individual policies that contradicted it.
Did you forget your reading glasses?https://www.lv.com/car-insurance/for-car-insurance...
The way it is presented and written implies that this is a general stance taken by the company on SDP - not for specific insurance policies.
As long as this statement is accessible, I would have thought LV would be on very thin ice with individual policies that contradicted it.
Your link clearly shows the LV wording, in massive letters at the beginning. This says:
For car insurance what is our definition of Social, Domestic and Pleasure including commuting?
That is therefore something different to their Social, Domestic and Pleasure policy, which does not include commuting:
This is taken from their website:
LVInsurance said:
Classes of use: which car insurance policy is best for you?
So, what are classes of use? These different insurance brackets decide how your vehicle is categorised regarding its purpose. It is how your insurer calculates the correct charges, which then dictates what you are covered and can claim for in the event of an accident, breakdown or break-in.
It's important you pick the right class of use when looking to make any changes to your vehicle's insurance policy. Put simply, if you insure your car under the wrong class, you could be refused a claim. Also keep in mind you can be prosecuted if you're found to be driving without insurance, or with the wrong level of cover.
There are six different classes of use, these include:
Social, domestic and pleasure (SDP)
This is the right policy for you if your car is used for errands, visiting family and friends, and going on holiday. It encompasses all non-work-related driving.
Social, domestic, pleasure and commuting (SDP+C)
This policy covers everything in SDP but should be chosen if you use your vehicle to drive to work and store it in a public car park (or any public space) during the day. This also includes train station car parks, for example, if you use your car for ‘half’ of a commute.
Business use (SDPC+B) (Classes 1, 2, and 3)
Business use policies are split between three classes, so it’s worth evaluating each policy type, and discussing with your insurer, to see which best suits you and your driving habits.
Generally, however, business use policies should be chosen if you use your car for your job – not just to get to it. This includes visiting clients, for example, if you are a healthcare worker, or travel-based hairdresser or beautician.
In classes 2 and 3, this can also include another named driver, or driving colleagues, clients, or stock around as part of your regular role.
Commercial
In some aspects a commercial policy may overlap with business insurance, so you should make sure you’re best suited to this policy type before making your decision. The commercial class is right for those who are on the road for the majority of the day, either carrying people and goods – for example, driving instructors and taxi drivers.
QED SD&P does not include commuting unless it says so.So, what are classes of use? These different insurance brackets decide how your vehicle is categorised regarding its purpose. It is how your insurer calculates the correct charges, which then dictates what you are covered and can claim for in the event of an accident, breakdown or break-in.
It's important you pick the right class of use when looking to make any changes to your vehicle's insurance policy. Put simply, if you insure your car under the wrong class, you could be refused a claim. Also keep in mind you can be prosecuted if you're found to be driving without insurance, or with the wrong level of cover.
There are six different classes of use, these include:
Social, domestic and pleasure (SDP)
This is the right policy for you if your car is used for errands, visiting family and friends, and going on holiday. It encompasses all non-work-related driving.
Social, domestic, pleasure and commuting (SDP+C)
This policy covers everything in SDP but should be chosen if you use your vehicle to drive to work and store it in a public car park (or any public space) during the day. This also includes train station car parks, for example, if you use your car for ‘half’ of a commute.
Business use (SDPC+B) (Classes 1, 2, and 3)
Business use policies are split between three classes, so it’s worth evaluating each policy type, and discussing with your insurer, to see which best suits you and your driving habits.
Generally, however, business use policies should be chosen if you use your car for your job – not just to get to it. This includes visiting clients, for example, if you are a healthcare worker, or travel-based hairdresser or beautician.
In classes 2 and 3, this can also include another named driver, or driving colleagues, clients, or stock around as part of your regular role.
Commercial
In some aspects a commercial policy may overlap with business insurance, so you should make sure you’re best suited to this policy type before making your decision. The commercial class is right for those who are on the road for the majority of the day, either carrying people and goods – for example, driving instructors and taxi drivers.
/EndThread
MustangGT said:
QED SD&P does not include commuting unless it says so.
/EndThread
The end in your mind only I think. Why do you think I said “anyone coming from this first”? A fair number of us clearly came up with this page as first hits on the subject from internet searches. Reading the text allows only one meaning from the heading and that is that LV lump commuting in with SDP./EndThread
Much of this thread has explored why people get this wrong. I can easily imagine someone finding this page after a very quick search and concluding that with LV a single journey to work is included in SDP.
Just a thought, but does the OP’s other policy which includes commuting cover him to drive other vehicles on that policy? Could there be an argument to be had that as he has another policy, which allows him to drive other vehicles which includes commuting, the vehicle was in fact insured for commuting use and therefore no offence committed…?
Shappers24 said:
Just a thought, but does the OP’s other policy which includes commuting cover him to drive other vehicles on that policy? Could there be an argument to be had that as he has another policy, which allows him to drive other vehicles which includes commuting, the vehicle was in fact insured for commuting use and therefore no offence committed…?
NoMustangGT said:
Commuting is defined as travelling to work on a regular basis. Therefore if you work in an office and travel there everyday you are commuting every day. If you use the train/bus/bike/feet most days it does not alter the fact that on the one day you used your car you were commuting. It is just that you were commuting on the other days using a different method of transport.
^^^THIS, 100%.People banging on about how commuting has to be regular. But it doesn't have to be the same mode of transport every day. You might commute by train nearly all the time, on occasional warm sunny days you might ride your pushbike, and on the rainy train strike day, you commuted by car.
TwigtheWonderkid said:
^^^THIS, 100%.
People banging on about how commuting has to be regular. But it doesn't have to be the same mode of transport every day. You might commute by train nearly all the time, on occasional warm sunny days you might ride your pushbike, and on the rainy train strike day, you commuted by car.
I don’t think anyone has disagreed with this? If you commute, you commute and if you choose to use your vehicle for that commuting, even on a single day, you need the correct insurance - in fact I’m sure I said this in a previous post.People banging on about how commuting has to be regular. But it doesn't have to be the same mode of transport every day. You might commute by train nearly all the time, on occasional warm sunny days you might ride your pushbike, and on the rainy train strike day, you commuted by car.
The more interesting point, is the pattern required for a journey (by any means) to be recognised as ‘regular’ and thus be reasonably defined as commuting.
Foss62 said:
TwigtheWonderkid said:
^^^THIS, 100%.
People banging on about how commuting has to be regular. But it doesn't have to be the same mode of transport every day. You might commute by train nearly all the time, on occasional warm sunny days you might ride your pushbike, and on the rainy train strike day, you commuted by car.
I don’t think anyone has disagreed with this? If you commute, you commute and if you choose to use your vehicle for that commuting, even on a single day, you need the correct insurance - in fact I’m sure I said this in a previous post.People banging on about how commuting has to be regular. But it doesn't have to be the same mode of transport every day. You might commute by train nearly all the time, on occasional warm sunny days you might ride your pushbike, and on the rainy train strike day, you commuted by car.
The more interesting point, is the pattern required for a journey (by any means) to be recognised as ‘regular’ and thus be reasonably defined as commuting.
That purpose will be written in the policy document, otherwise it isn't covered.
It really is that simple.
Foss62 said:
TwigtheWonderkid said:
^^^THIS, 100%.
People banging on about how commuting has to be regular. But it doesn't have to be the same mode of transport every day. You might commute by train nearly all the time, on occasional warm sunny days you might ride your pushbike, and on the rainy train strike day, you commuted by car.
I don’t think anyone has disagreed with this? If you commute, you commute and if you choose to use your vehicle for that commuting, even on a single day, you need the correct insurance - in fact I’m sure I said this in a previous post.People banging on about how commuting has to be regular. But it doesn't have to be the same mode of transport every day. You might commute by train nearly all the time, on occasional warm sunny days you might ride your pushbike, and on the rainy train strike day, you commuted by car.
The more interesting point, is the pattern required for a journey (by any means) to be recognised as ‘regular’ and thus be reasonably defined as commuting.
Shappers24 said:
Just a thought, but does the OP’s other policy which includes commuting cover him to drive other vehicles on that policy? Could there be an argument to be had that as he has another policy, which allows him to drive other vehicles which includes commuting, the vehicle was in fact insured for commuting use and therefore no offence committed…?
That doesn't cover you to drive other vehicles you own.tele_lover said:
RE telling the police where you were going- don't we have the right to remain silent? Then you wouldn't have got in to so much trouble.
The fact that the OP was open about where he was going surely demonstrates that he wasn't considering the insurance anomaly at the time. Given that the OP has two cars, one of which is insured for commuting, would it be worth him contacting the insurers, explaining that the trip was a one-off and asking whether they would have covered him in the event of an accident ?
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