One off commute on a classic policy

[Dingu]

e-honda said:

I guess he just needs to buy a twix between home and work then

You probably need to give up.

[e-honda]

Dingu said:

You probably need to give up.

Why because twig is the authority and he can just say it's not covered without exploring the nuance of a complicated legal grey area.

[MustangGT]

Cat said:

MustangGT said:

He is not driving to work though, he is driving to the garage, then going on to work. Similarly he is not driving home from work, he is driving home from the garage. He is not commuting.

I think you need to re-read the OP

shed driver said:

I've got a classic policy which doesn't allow use for commuting. I have booked it to have some work done on what was originally my day off however staff shortages mean I'm going to have to go to work. I can nip out of work and drop the car off with the specialist and then pick it up after work.

They are driving to work i.e. commuting, then leaving work to drop the car off.

Cat

I misunderstood, from reading further OP posts. So, I fully agree that would be commuting.

[Cat]

MustangGT said:

I misunderstood, from reading further OP posts. So, I fully agree that would be commuting.

Cat

[e-honda]

Cat said:

When the OP is driving from home to work they are not drving to the garage.

When the OP is driving to work they are commuting - "travelling between the driver's home and permanent place of work" - their insurance doesn't cover them for commuting. The fact that they are subsequently going to drive from work to a garage doesn't change that fact. The fact they don't drive that car to work every day doesn't alter that fact.

Cat

Why can't you accept the possibility that he is driving to the garage.

He said in his opening post, he planned to drive to the garage on his day off.
He was doing this journey anyway, he was always driving to the garage as planned.
Now work called can you work that day, sure ok, now he has to make that same journey potentially via a slightly different route at a slightly different time.

If it had been the other way round. Had he have been going to work, has planned to go to work that day nowhere else wanted to take his classic car noticed his cover did not include travel from his home to a permanent place of work, so decided he would drive to McDonald's near work, have breakfast, take an hour to take in the sights and smells of the A31 truck stop, then make a subsequent journey to work would you be zealously defending this plan as absolutely not commuting? A great plan that he should absolutely do and if he were in an accident on his way to McDonald's he should absolutely tell everyone he was going to work after breakfast because it's absolutely impossible anyone could consider it anything other than a leisure trip to McDonald's.

[Cat]

e-honda said:

Why can't you accept the possibility that he is driving to the garage.

Because they're not. They're driving to work.

Your position makes no sense - if they drive their car from home to work that journey is a commute. But if they drive their car from home to work and then at some later time drive from work to a garage the original drive from home to work is no longer a commute?

Cat

[e-honda]

Cat said:

Because they're not. They're driving to work.

Your position makes no sense - if they drive their car from home to work that journey is a commute. But if they drive their car from home to work and then at some later time drive from work to a garage the original drive from home to work is no longer a commute?

Cat

So he drives from home to McDonald's then some time later drives to work, that is not a commute, and is so much not a commute that the position it could be a commute make no sense and confuses you?

[InitialDave]

e-honda said:

So he drives from home to McDonald's then some time later drives to work, that is not a commute, and is so much not a commute that the position it could be a commute make no sense and confuses you?

Ask your insurance company whether they count driving from home, to another location, and then to work, as being commuting.

[Cat]

e-honda said:

So he drives from home to McDonald's then some time later drives to work, that is not a commute, and is so much not a commute that the position it could be a commute make no sense and confuses you?

If they drive from home to work in their everyday car - that would be a commute.
If they drive from home to work in the classic car - that would be a commute
If they drive from home to work in the classic car, do some work and then later drive the car to the garage - the original drive to work is suddenly not a commute? Sorry but that simply makes no sense.

You can obfuscate as much as you like with irrelevant whataboutery and talk of trips to McDonalds etc. but none of that alters the fact that in the situation described in the OP, where they are driving their car from home to a permanent place of work to start work for a period before then later taking the car to the garage, then the journey from work to home is communting and requires insurance that covers that.


Cat

[LordBretSinclair]

InitialDave said:

Ask your insurance company whether they count driving from home, to another location, and then to work, as being commuting.

What????????????
Ask his insurance company rather than all the armchair experts on here - what a ridiculous idea

[98elise]

Cat said:

dvs_dave said:

One of many dictionary definitions specifies “on a regular basis”, or similar. This vehicle is not being used to travel to and from work on a regular basis. It’s a one off trip via his workplace in support of the regular upkeep of the vehicle. It’s ridiculous to suggest otherwise.

What is ridiculous is to suggest that because the OP is using a different vehicle than usual to get to work then their journey is not commuting. The OP regularly travels from home to their place of work therefore by the definition you have posted that journey is commuting - the vehicle or method of transport used doesn't alter tha fact that the journey is commuting.

Cat

This.

[98elise]

ingenieur said:

I raised a similar debate a couple of days ago over the issue of business insurance. It really does sicken me that insurance companies have it within their gift to seize upon an exception as an excuse not to provide the full insurance in such a case.

https://www.pistonheads.com/gassing/topic.asp?h=0&...

How is the insurance company wrong if you choose not buy that particular cover?

[Yellow Lizud]

I assume the OP gets 'pleasure' from driving his classic car, otherwise he wouldn't have it.
Therefore he is driving within the confines of the SD&P part of his insurance.
There, problem solved.

Unless, of course, you want to spend the next 4 pages arguing over the meaning of the word 'pleasure'.

[Rushjob]

e-honda said:

Explain how that is not covered by section 148 of the road traffic act

(1)Where a certificate of insurance or certificate of security has been delivered under section 147 of this Act to the person by whom a policy has been effected or to whom a security has been given, so much of the policy or security as purports to restrict—
(a)the insurance of the persons insured by the policy, or
(b)the operation of the security,(as the case may be) by reference to any of the matters mentioned in subsection (2) below shall, as respects such liabilities as are required to be covered by a policy under section 145 of this Act, be of no effect.
(2)Those matters are—
(a)the age or physical or mental condition of persons driving the vehicle,
(b)the condition of the vehicle,
(c)the number of persons that the vehicle carries,
(d)the weight or physical characteristics of the goods that the vehicle carries,
(e)the time at which or the areas within which the vehicle is used,
(f)the horsepower or cylinder capacity or value of the vehicle,
(g)the carrying on the vehicle of any particular apparatus, or
(h)the carrying on the vehicle of any particular means of identification other than any means of identification required to be carried by or under the [1971 c. 10.] Vehicles (Excise) Act 1971.
(3)Nothing in subsection (1) above requires an insurer or the giver of a security to pay any sum in respect of the liability of any person otherwise than in or towards the discharge of that liability.

Under the Road Traffic Act the insurers will have to pay out were there a claim

HOWEVER

The OP has undertaken a contract with the insurance company and by using the vehicle outwith the current agreed conditions under which the policy inception took place, he will not be able to rely on the cover and in the event of a claim, the company will likely pay out.

Sadly for the OP, they then revert to Civil Law to pursue to OP for the cost of the claim, plus the cost of pursuing him for it.

[Rushjob]

98elise said:

Cat said:

dvs_dave said:

One of many dictionary definitions specifies “on a regular basis”, or similar. This vehicle is not being used to travel to and from work on a regular basis. It’s a one off trip via his workplace in support of the regular upkeep of the vehicle. It’s ridiculous to suggest otherwise.

What is ridiculous is to suggest that because the OP is using a different vehicle than usual to get to work then their journey is not commuting. The OP regularly travels from home to their place of work therefore by the definition you have posted that journey is commuting - the vehicle or method of transport used doesn't alter tha fact that the journey is commuting.

Cat

This.

You will find in the small print of the policy document the insurance company's interpretation of numerous words, commute being one of them.

As an example, mine used to define it as travel to and from one permanent place of work.

Should you travel to other locations, business cover was needed.

[98elise]

Rushjob said:

98elise said:

Cat said:

dvs_dave said:

One of many dictionary definitions specifies “on a regular basis”, or similar. This vehicle is not being used to travel to and from work on a regular basis. It’s a one off trip via his workplace in support of the regular upkeep of the vehicle. It’s ridiculous to suggest otherwise.

What is ridiculous is to suggest that because the OP is using a different vehicle than usual to get to work then their journey is not commuting. The OP regularly travels from home to their place of work therefore by the definition you have posted that journey is commuting - the vehicle or method of transport used doesn't alter tha fact that the journey is commuting.

Cat

This.

You will find in the small print of the policy document the insurance company's interpretation of numerous words, commute being one of them.

As an example, mine used to define it as travel to and from one permanent place of work.

Should you travel to other locations, business cover was needed.

Agreed, and in fact the insurance companies defintion of commuting is the only one that counts. Its what the OP signed up to when chosing their policy.

[boombang]

Yellow Lizud said:

Unless, of course, you want to spend the next 4 pages arguing over the meaning of the word 'pleasure'.

No need if like my policy it says travel to a place of work. You can drive over there purely for a massive wk but my insurers still class that as commuting.

[anonymous-user]

The wording of driving from home to your place of work seems quite vague.

Which of these are classed as commuting?

- if i park down the road from work?
- if i park outside work but not in their carpark?
- if i park a mile from work and walk there?
- if i park 5 miles from work and get the bus to the office?
- if i park in my work carpark but go shopping?
- if i park near work but go shopping?
- if i drive to the shops and then go to work later?
- if i drop into the office at the weekend to collect my coat?
- if i work in a cinema and visit at the weekend to watch a film?

[croyde]

Putting commute on your policy should get a discount as most of us do that journey on autopilot. We know the roads, the signaling, limits, flow of traffic etc.

Pleasure can have you anywhere in the country on unfamiliar roads

I remember a time when you just got insured. As long as you didn't take it on a track or remembered to call them when you went abroad, you were fine.

Non of this commute or not, flash wheels, different exhaust, having a racing stripe added etc

[DJP]

If the OP is driving to his place of work, on a working day then he's commuting.

But if he's taking the car to a garage before work and picking it up after work, then he's not commuting.

Simples.

Although if he's got a pre-booked garage appointment then I'd think his insurer would be hard pressed to prove that he was commuting.

Not that I've ever been asked the purpose of my journey when making a claim.