Apparently a large percentage of us are not insured??

[loskie]

wibble cb said:

Surely the answer is, I’m just popping to tescos…

we aren't all liars.

[Hondashark]

loskie said:

wibble cb said:

Surely the answer is, I’m just popping to tescos…

we aren't all liars.

Yet they've lied about their usage when taking out insurance...

[Flumpo]

sortedcossie said:

Friend of ours used to be a milkman, Friday PM was spent doing his round getting paid - He used his car not his van sometimes depending on which order they were parked on his drive. Had an accident in the car on a collection run where police attended, on his statement it was recorded what he was doing as in "using the car for business purposes". He wasn't insured, so it became an expensive experience.

He always used the van afterwards.

I wonder how much milk he could have got away with claiming was for personal consumption?

[Aretnap]

Hondashark said:

loskie said:

wibble cb said:

Surely the answer is, I’m just popping to tescos…

we aren't all liars.

Yet they've lied about their usage when taking out insurance...

Most people aren't very good liars, at least. Asked what they were doing they say "I was going to work... erm... st... no... I mean I was going to Tesco." Or they clam up when the next question is "Which Tesco sir? It's just that your nearest one seems to be in the opposite direction to your house." Or two weeks later they yell down the phone "You have to fix my car faster! I need it for work!"

Telling lies requires swiftness of thought, a good memory and an ability to anticipate follow up questions. Telling the truth requires no special skills.

Edited by Aretnap on Saturday 20th April 20:14

[qwerty360]

PhilboSE said:

How do people not know this? The comparison sites have a drop down for increasing level of cover for “Comprehensive” insurance:

Social, Domestic & Pleasure only (no work related use)
Commuting (includes travel to a place of work)
Business (includes driving to various places for business)

I don’t think the Police particularly care but the insurance company may well care if you make a claim. What were you doing at the time of the accident? Driving to work? Well your policy is SDP only so no cover.

I would argue there are 4 types, its just hire or reward is quite often either bundled in business cover or not offered at all:

SDP
SDP + commuting
Business
hire or reward

I have limited business milage; in theory not used; In practice it is easier than arguing if I give colleagues a lift to a social (pub lunch, after work sports, etc). Because if you have a collision and a passenger is hurt the insurer is going to get really awkward if the passenger is a colleague... I would rather pay the extra £10-20/year for 1000 business miles...

I do wonder how many people doing parcel delivery etc have business cover but not hire or reward... Equally jobs like carer's (who may be carrying 'customers' (i.e. patients) ) which may be argued to be hire/reward...

[Pica-Pica]

Spitfire2 said:

carlo996 said:

Typical scummy insurance company tactics. As ever check every bit of small print when dealing with these absolute bottom feeders.

This stuff is obvious in the big print. You don't need to read the small print for such obvious facts.

Amazed at the naivety on this thread

Indeed. In insurance there is no ‘small print’. When you insure, you actively select what you declare.

[Terminator X]

NikBartlett said:

Nice soft target for the police. From time to time various forces have been on trawls for this, especially just post pandemic.

Stopped by the police. Hi there mate you driving to work. No.

TX.

[bigandclever]

119 said:

OP has 'bailed' it seems.

Only really works if someone hasn't already quoted their post.

[carlo996]

Terminator X said:

Stopped by the police. Hi there mate you driving to work. No.

TX.

Exactly.

[Powerfully Built Company Directors Secretary]

qwerty360 said:

PhilboSE said:

How do people not know this? The comparison sites have a drop down for increasing level of cover for “Comprehensive” insurance:

Social, Domestic & Pleasure only (no work related use)
Commuting (includes travel to a place of work)
Business (includes driving to various places for business)

I don’t think the Police particularly care but the insurance company may well care if you make a claim. What were you doing at the time of the accident? Driving to work? Well your policy is SDP only so no cover.

I would argue there are 4 types, its just hire or reward is quite often either bundled in business cover or not offered at all:

SDP
SDP + commuting
Business
hire or reward

I have limited business milage; in theory not used; In practice it is easier than arguing if I give colleagues a lift to a social (pub lunch, after work sports, etc). Because if you have a collision and a passenger is hurt the insurer is going to get really awkward if the passenger is a colleague... I would rather pay the extra £10-20/year for 1000 business miles...

I do wonder how many people doing parcel delivery etc have business cover but not hire or reward... Equally jobs like carer's (who may be carrying 'customers' (i.e. patients) ) which may be argued to be hire/reward...

On the carers front, what I found interesting is that, despite my insurance certificate stating "Use for social, domestic and pleasure and use for driving instruction and test purposes" (so you can guess the occupation!), it then explicitly excludes "carrying passengers or goods for hire and reward".

Yet I'm being paid to sit with those undergoing tuition in the car or they're paying me to drive them home after their test. Go figure! I was fully expecting a H+R policy when I started last year..

A few years ago I did take out a van policy with Admiral and selected the "Own Goods" cover (akin to cars business use) as we didn't/don't use it for deliveries and that said "use for the policyholder and named drivers in connection with the policyholders business or profession". In the exclusions section it did not say anything about use for H+R which I thought was quite odd, given the car policy for my wife (also with them) did exclude it despite having business use.

When I renewed it the following year, it did.. I wonder there if anyone noticed and thought "great, I'll use it for some delivering as the certificate doesn't exclude it!"

The other bit I've noticed with some insurers is the definition of commuting. Some, like Admiral, state only one sole location is covered. Aviva on the other hand, allow more than one location providing you only go to one a day.

Since I started driving 8 years ago, I've always made sure to have the correct class of use. It's just not worth it these days. I've got friends who were totally oblivious to this until they started working and it was mentioned!

[Roger Irrelevant]

Aretnap said:

Most people aren't very good liars at least. Asked what they were doing they say "I was going to work... erm... st... no... I mean I was going to Tesco." Or they clean up when the next question is "Which Tesco sir? It's just that your nearest one seems to be in the opposite direction to your house." Or two weeks later they yell down the phone "You have to fix my car faster! I need it for work!"

Telling lies requires swiftness of thought, a good memory and an ability to anticipate follow up questions. Telling the truth requires no special skills.

Yep. I know that all the insurance companies I deal with through work employ some real super-sleuths in order to combat fraud/financial crime. However the way they identify most fraud - by a country mile - is simply by asking the same questions at claim stage as they asked when the policy was set up. Basically if somebody's stupid enough to lie to get cheaper insurance then they're almost always too stupid to remember their own bullst, so they get caught out.

[Sebring440]

Aretnap said:

the next question is "Which Tesco sir? It's just that your nearest one seems to be in the opposite direction to your house."

That would be a really switched-on PC! Real detective skills there; won't be in uniform for long with these skills.

How does he know where the driver's house is?

[Glosphil]

Sebring440 said:

Aretnap said:

the next question is "Which Tesco sir? It's just that your nearest one seems to be in the opposite direction to your house."

That would be a really switched-on PC! Real detective skills there; won't be in uniform for long with these skills.

How does he know where the driver's house is?

His address is on his driving licence!

[Nibbles_bits]

Pit Pony said:

Nibbles_bits said:

Have they?

Yes. Set up roadside check. Pull over every 5th car, or play snooker, or pick them.based on random stereotypes. check tyres, mot status, drivers details, and insurance details Taxed ?
Where are you going? Just popping to see my mum.
I'm.going to work and you are making me late.
Ah, your insurance doesn't cover that sir.
And you numberplate is wrong too.

Yes, that's how it works. But is that actually what's happening??
Not seen anything in the news or on the socials??

[Nibbles_bits]

I have SDP+C, but when I had a collision Admiral kept referring to my policy as SDP.

Now as I was on my way to work, in uniform and my colleagues attended the scene, I couldn't say I wasn't commuting to work.

When I, in a panic, questioned Admiral about the SDP, they said "Oh no, it's the same as SDP+C".....and paid out.

[Somewhatfoolish]

I have commuting on my insurance (costs about 50p) but I'm not clear if I actually have to - basically I normally work from home but for a week a month I work at our office a few hundred miles away. If I've used the car it will have been to drive to a hotel nearby where I'll stay for the week and generally I cycle in, sometimes walk. Do I actually need commuter insurance? I keep it cause of the 50p thing and incase I wanted to drive in for some reason. Not convinced I actually require it or is said drive to hotel a "commute"?

What about giving people a lift to work?

Edited by Somewhatfoolish on Sunday 21st April 02:27

[Pit Pony]

VanDriver99 said:

I have deleted my initial message from this topic.

Why? It wasn't that stupid a question. Well it was, but hey.

[Aretnap]

Sebring440 said:

That would be a really switched-on PC! Real detective skills there; won't be in uniform for long with these skills.

How does he know where the driver's house is?

I was actually thinking of want the insurance company would ask him, who of course have his address on a screen in front of them and have a standard set of questions prepared to detect fraud, but yes, a genius level Sherlock Holmes type policeman might just about be able to work out his address by, say, looking at his driving licence.

[Aretnap]

Somewhatfoolish said:

I have commuting on my insurance (costs about 50p) but I'm not clear if I actually have to - basically I normally work from home but for a week a month I work at our office a few hundred miles away. If I've used the car it will have been to drive to a hotel nearby where I'll stay for the week and generally I cycle in, sometimes walk. Do I actually need commuter insurance? I keep it cause of the 50p thing and incase I wanted to drive in for some reason. Not convinced I actually require it or is said drive to hotel a "commute"?

I guess the starting point is: would you still be doing that drive if you didn't have to go to work? If not then the purpose of your journey is surely to get to work.

Similar to driving to a railway station then getting in a train to work - nobody would seriously argue that the driver to the station isn't part of your commute.

Somewhatfoolish said:

What about giving people a lift to work?

Interesting one - arguably doing a favour for a friend or partner comes under "social" or "domestic"

I've seen policies which make it explicit by defining commuting along the lines of "driving to your own place of work. If it just says "a place of work" does that include someone else's place of work? But by that logic you couldn't drive to Tesco, because that's someone's place of work...

[GasEngineer]

VanDriver99 said:

On their commute to work.

I am 65 and always thought Comprehensive was the 5 star Cover for Insurance.Couldn't be beaten.

I now understand we have to add Commute to our cover or we could be arrested or worse have an accident and picking up the tab for third party and our own misfortune.

You dont hear many reports of people in ruin because of this ..is there some sort of safety net ??

Asking for a friend

VanDriver99 said:

I have deleted my initial message from this topic.

Won't the friend on whose behalf you are asking be disappointed you have deleted your initial message OP?