Another insurance question!
Discussion
When I got my cheap insurance policy through it states in the t&c's that i cannot use my car for commuting.
I didn't specify this as a condition whan I applied for it, but its on my policy none the less. Why would I want to hoon around at weekends in a 9 year old diesel with 130k on the clock?
So legally, and entirely hypothetically, where do I stand - if I have a crash on the way to work, can anyone prove I was on the way to work for insurance purposes?
I didn't specify this as a condition whan I applied for it, but its on my policy none the less. Why would I want to hoon around at weekends in a 9 year old diesel with 130k on the clock?
So legally, and entirely hypothetically, where do I stand - if I have a crash on the way to work, can anyone prove I was on the way to work for insurance purposes?
That is a preposterous limitation. Over 90% of people must use their cars for getting to and from work, or to and from the station to catch the train to work.
I don't doubt your understanding of the policy, but my wife's policy says that I may use the car for social, domestic and pleasure purposes, but not in connection with travelling on business. In other words, I can go to and from work, but I can't go to a business meeting elsewhere than at my office. My own policy covers business use by the insured (me) and my business partner (a named driver), but not for commercial travelling or use in connection with the motor trade.
If your wording is that onerous, I would call up the insurer and have it changed, even if it did cost a bit more. It does seem most unusual.
Let us all know how you get on with this.
I don't doubt your understanding of the policy, but my wife's policy says that I may use the car for social, domestic and pleasure purposes, but not in connection with travelling on business. In other words, I can go to and from work, but I can't go to a business meeting elsewhere than at my office. My own policy covers business use by the insured (me) and my business partner (a named driver), but not for commercial travelling or use in connection with the motor trade.
If your wording is that onerous, I would call up the insurer and have it changed, even if it did cost a bit more. It does seem most unusual.
Let us all know how you get on with this.
Mahoolah said:
When I got my cheap insurance policy through it states in the t&c's that i cannot use my car for commuting.
I didn't specify this as a condition whan I applied for it, but its on my policy none the less. Why would I want to hoon around at weekends in a 9 year old diesel with 130k on the clock?
So legally, and entirely hypothetically, where do I stand - if I have a crash on the way to work, can anyone prove I was on the way to work for insurance purposes?
Yes, and they will not pay.I didn't specify this as a condition whan I applied for it, but its on my policy none the less. Why would I want to hoon around at weekends in a 9 year old diesel with 130k on the clock?
So legally, and entirely hypothetically, where do I stand - if I have a crash on the way to work, can anyone prove I was on the way to work for insurance purposes?
You need to add it to the policy.
If you crash at 8.30am on a weekday between home and office, wearing a suit, they will refuse to pay out.
"Looking for cheaper car insurance......"
PS Well done for actually reading the policy. Makes a change.
I guess this condition was added becasue I used confused.com to find it. They must have answered a question for me....
Do they actually mean by this condition you are not allowed to drive in commuting traffic, no matter what your destination or purpose? For example, I work shifts sometimes and can start work at 10:30, wearing jeans and a t-shirt. Morally, yes I was commuting but I would'nt look like I was. Or, if I decided to go to tesco's for the weekly shop before work in the commuting traffic would this count as commute? (The nearest big tesco's is right next to where I work)
I'm going to update the policy but it seems very vague to me!
Do they actually mean by this condition you are not allowed to drive in commuting traffic, no matter what your destination or purpose? For example, I work shifts sometimes and can start work at 10:30, wearing jeans and a t-shirt. Morally, yes I was commuting but I would'nt look like I was. Or, if I decided to go to tesco's for the weekly shop before work in the commuting traffic would this count as commute? (The nearest big tesco's is right next to where I work)
I'm going to update the policy but it seems very vague to me!
Mahoolah said:
I guess this condition was added becasue I used confused.com to find it. They must have answered a question for me....
Do they actually mean by this condition you are not allowed to drive in commuting traffic, no matter what your destination or purpose? For example, I work shifts sometimes and can start work at 10:30, wearing jeans and a t-shirt. Morally, yes I was commuting but I would'nt look like I was. Or, if I decided to go to tesco's for the weekly shop before work in the commuting traffic would this count as commute? (The nearest big tesco's is right next to where I work)
I'm going to update the policy but it seems very vague to me!
It won't be vague when they use it to shaft you.Do they actually mean by this condition you are not allowed to drive in commuting traffic, no matter what your destination or purpose? For example, I work shifts sometimes and can start work at 10:30, wearing jeans and a t-shirt. Morally, yes I was commuting but I would'nt look like I was. Or, if I decided to go to tesco's for the weekly shop before work in the commuting traffic would this count as commute? (The nearest big tesco's is right next to where I work)
I'm going to update the policy but it seems very vague to me!
http://www.guardian.co.uk/money/2007/jul/10/motori...
There's a lot of it going around...
There's a lot of it going around...
Edited by oldsoak on Wednesday 28th November 16:57
It is often confusing, because (as is rightly pointed out above) the majority of people "commute". It is sometimes included in "Social Domestic and Pleasure", sometimes not. You need to check, unless it is specifically included or excluded.
Commuting is travel to and from a permanant place of work (or multiple places of work if you are part time). Nipping off the the Manchester Office for a day is NOT commuting, you need Class 1 Business cover for that.
Commuting is travel to and from a permanant place of work (or multiple places of work if you are part time). Nipping off the the Manchester Office for a day is NOT commuting, you need Class 1 Business cover for that.
Well as soon as it's Mot'd and Taxed I will make sure its insured for what I need it for. I'd better check all my other policys in case the same thing has been added; I'm hoping not to find on my house insurance that its "only for domestic sleeping and watching television purposes, meals and snacks must not be prepared on the premises" or something equally sneaky.
Vesuvius 996 said:
Noger said:
Contrary to popular belief, insurers cannot just sneak in things will-he nil-he.
If there is a problem with the link between Confused and the carrier, you will be OK. Innocent Misrepresentation.
It's in the terms and conditions! Which you're supposed to READ!If there is a problem with the link between Confused and the carrier, you will be OK. Innocent Misrepresentation.
I read the terms and conditions when the documents came through, that's how I know about it. It just was never mentioned when I signed up for it. Except probably on the last bit of the website where it showed me all the small print. Which I didn't read.....
I'm sure its only an extra few quid and I'm happy to get it changed.
Todays lesson therefore: Read the terms and conditions before you click "purchase". Even if it is last thing at night and your wife is beckoning you!
I'm sure its only an extra few quid and I'm happy to get it changed.
Todays lesson therefore: Read the terms and conditions before you click "purchase". Even if it is last thing at night and your wife is beckoning you!
What does it actually say in the T & C's? Does it say basically your cannot use the car to go to work?
They usually split it that you are insured to go to work, but not use the car for work, i.e. its is covered to and from a fixed place of work, but you cannot use it then to go about business. To add business use on my policy did not cost any extra.
Does sound like a strange condition, but if its in black and white, then it must be true. I would call the insurer diect and ask the question.
They usually split it that you are insured to go to work, but not use the car for work, i.e. its is covered to and from a fixed place of work, but you cannot use it then to go about business. To add business use on my policy did not cost any extra.
Does sound like a strange condition, but if its in black and white, then it must be true. I would call the insurer diect and ask the question.
Mahoolah said:
There is a bit about "not for Business use" and another bit about "not for commuting" although it doesn't describe exactly what "commuting" is in insurance terms.
I think in an effort to return absolutely the lowest car insurance, this was specified automatically by the web spiderz.
You're right. If it's covered in SDP they'll usually qualify it, e.g. "Social, Domestic & Pleasure purposes (including commuting to & from a fixed place of work)".I think in an effort to return absolutely the lowest car insurance, this was specified automatically by the web spiderz.
If they don't add the qualification or specifically state "no commuting" then you can't drive to work. Simple as.
Class 1 business use is (in my experience) usually a relatively cheap add-on to a FC policy, so I can't see that 'regular' commuting would cost very much extra.
Forums | Speed, Plod & the Law | Top of Page | What's New | My Stuff