Is giving my wife a lift to work classed as commuting?

[JimbobVFR]

My wife has recently had surgery on her elbow and wrist so isn't able to drive but in a couple of weeks she will be going to work.

My car doesn't have cover for commuting so if necessary I'll use my wife's car to give her a lift to and from work however it might be nice to sling my MTB on the rack and go for a ride after dropping her off.

Is giving somebody a lift to work the same thing as commuting?

[Truffles]

What does your policy wording say?

[Jasandjules]

A pedant would say that the policy covers the driver to and from their place of work. Not the passenger.....

[Shaw Tarse]

Does she have that cover?

Are you doing it for hire or reward?

[anonymous-user]

Shaw Tarse said:

Does she have that cover?

Are you doing it for hire or reward?

I'd imagine once she is better he may get the odd blowjob as a bit of a reward l but his insurers won't care about that.

It's irrelevant what cover his wife has.

It won't be classed as commuting.

[alfie2244]

desolate said:

I'd imagine once she is better he may get the odd blowjob as a bit of a reward l but his insurers won't care about that.

It's irrelevant what cover his wife has.

It won't be classed as commuting.

She hurt her elbow not her mouth.

[deckster]

What does your insurance company say?

For the sake of 'what if' I can't imagine that adding commuting to your policy will cost much, if anything.

[Alucidnation]

Isn’t the cover social domestic and pleasure?

[JimbobVFR]

Thanks guys, I am going to ask my insurer on Monday.

My I Durance is SDP but it's with a specialist insurer as it's technically a motor caravan, it's a Mazda Bongo, as such I don't think my insurer offer commuting as an option anyway.

It's not for reward I'm just being a dutiful house husband

[Willy Nilly]

Your policy will be invalid and they won't pay up. If you look very carefully in your policy documents, it explicitly says you can't take your Mrs to work, or listen to Radio 2 and you're only allowed to carry £2.50 in loose change in the centre console. There will be a restriction on the number of bags for life you can carry in the boot and also on the number of old petrol receipts you can have blowing around the footwell, which incidentally, can't have any little stones to brought in on your shoes.

[ghe13rte]

JimbobVFR said:

My wife has recently had surgery on her elbow and wrist so isn't able to drive but in a couple of weeks she will be going to work.

My car doesn't have cover for commuting so if necessary I'll use my wife's car to give her a lift to and from work however it might be nice to sling my MTB on the rack and go for a ride after dropping her off.

Is giving somebody a lift to work the same thing as commuting?

Definition of commute:

“travel some distance between one's home and place of work on a regular basis”

So yes, giving your Mrs, for whatever reason, a lift to her work from home is commuting.

Perhaps if you are a named driver on her policy that covers both you and her for commuting in that vehicle.

[TwigtheWonderkid]

ghe13rte said:

JimbobVFR said:

My wife has recently had surgery on her elbow and wrist so isn't able to drive but in a couple of weeks she will be going to work.

My car doesn't have cover for commuting so if necessary I'll use my wife's car to give her a lift to and from work however it might be nice to sling my MTB on the rack and go for a ride after dropping her off.

Is giving somebody a lift to work the same thing as commuting?

Definition of commute:

“travel some distance between one's home and place of work on a regular basis”

So yes, giving your Mrs, for whatever reason, a lift to her work from home is commuting.

Perhaps if you are a named driver on her policy that covers both you and her for commuting in that vehicle.

Rubbish. The policyholder going to and from work is commuting. Then you'd need the cover. The policyholder giving someone else a lift to work free of charge is helping them out, and that's social, domestic and pleasure. When you have an accident, they don't ask "what was your passenger using the vehicle for?" They ask the driver what they were using the vehicle for. The answer to that would be pleasure, I was running my wife to work.

Works in reverse too. Policyholder picking their kids up from school, pleasure. Nanny using policyholders car to pick kids up from school is business use. That's her job.

Edited by TwigtheWonderkid on Sunday 8th July 15:38

[anonymous-user]

It's not commuting

[Alucidnation]

In all honesty, I doubt most insurers will give two fks.

[TwigtheWonderkid]

ghe13rte said:

Definition of commute:

“travel some distance between one's home and place of work on a regular basis”

So yes, giving your Mrs, for whatever reason, a lift to her work from home is commuting.

By your own definition it isn't even commuting. "One's" home and place of work. The driver isn't travelling from him home to his place of work.

[Evanivitch]

JimbobVFR said:

Is giving somebody a lift to work the same thing as commuting?

No.

It's a domestic duty. It's not your job. It's not for reward.

How many parents would have invalid insurance for dropping their youngsters off at work!?

[Monkeylegend]

TwigtheWonderkid said:

The answer to that would be pleasure, I was running my wife to work.

Edited by TwigtheWonderkid on Sunday 8th July 15:38

How could it be anything other than for pleasure. Running the wife to work, going back home to a quiet, empty house, spend all day watching football or cricket with no nagging about getting off your backside and doing the gardening or washing up.

Blissful

[ghe13rte]

TwigtheWonderkid said:

Rubbish. The policyholder going to and from work is commuting. Then you'd need the cover. The policyholder giving someone else a lift to work free of charge is helping them out, and that's social, domestic and pleasure. When you have an accident, they don't ask "what was your passenger using the vehicle for?" They ask the driver what they were using the vehicle for. The answer to that would be pleasure, I was running my wife to work.

Works in reverse too. Policyholder picking their kids up from school, pleasure. Nanny using policyholders car to pick kids up from school is business use. That's her job.

Edited by TwigtheWonderkid on Sunday 8th July 15:38

My wife’s insurance is for SDP and commuting and business and I am a named driver. It covers her commute and if I use the car my commute. If I driver her to work in her car it is still commuting.
Best of luck with your claims. I am sure the insurance company will laugh all the way to their bank with your reasoning. Good luck.

[anonymous-user]

ghe13rte said:

My wife’s insurance is for SDP and commuting and business and I am a named driver. It covers her commute and if I use the car my commute. If I driver her to work in her car it is still commuting.
Best of luck with your claims. I am sure the insurance company will laugh all the way to their bank with your reasoning. Good luck.

They won't.

[JimbobVFR]

Monkeylegend said:

How could it be anything other than for pleasure. Running the wife to work, going back home to a quiet, empty house, spend all day watching football or cricket with no nagging about getting off your backside and doing the gardening or washing up.

Blissful

Favourite answer so far.