Not insured to drive to work.
Discussion
If you have a car insurance policy that limits your driving to social use, but not to be used for driving to and from work, what happens if you drive into the office at a weekend to pick something up...are you covered or not ?
Or worse, what if you have a day off, head down the shops, have a prang and then the insurers claim you probably heading to work ?
I can save a fair bit on my insurance premium by limiting the use on my car ( second car) to just pleasure, but i don't want to do it if I run the risk of them not paying out. I genuinely don't intend to use it to anf from work.
Or worse, what if you have a day off, head down the shops, have a prang and then the insurers claim you probably heading to work ?
I can save a fair bit on my insurance premium by limiting the use on my car ( second car) to just pleasure, but i don't want to do it if I run the risk of them not paying out. I genuinely don't intend to use it to anf from work.
I would guess that they would have to prove that thats where you were going - similarly, my insurance doesnt cover me for business use, but very occasionally ill take my car/bike if no company pool cars are available - if i had a prang, i'd would just tell my insurers that i was popping down the shops for some shopping.
SDP - Social, Domestic & Pleasure use usually covers you for travelling to & from your normal place of work. You wouldn't be covered to (for example) nip out to a client site, but you're ok to drive to the office and back home again.
If in doubt, check with your insurer. If business use is needed, its usually only of the order of 5% or so ( if that).
If in doubt, check with your insurer. If business use is needed, its usually only of the order of 5% or so ( if that).
We've just had this very issue on Mrs Fif's car, ie commuting to work issue.
Second car, limited mileage / yr, motor is nothing fancy. Ins fully comp, etc etc.
Ins cert used to say social domestic pleasure use and specifically excluded commuting to / from place of work.
Just renewed and added commuting element on renewal because Madame now gainfully employed, premium cost an extra £2. (two quid)
Norwich Union seem to have quotedmehappy on that one then.
Now if you want to use the car in connection with work then thats another ballgame. Seems worth checking the details and ringing round to me.
FiF
Second car, limited mileage / yr, motor is nothing fancy. Ins fully comp, etc etc.
Ins cert used to say social domestic pleasure use and specifically excluded commuting to / from place of work.
Just renewed and added commuting element on renewal because Madame now gainfully employed, premium cost an extra £2. (two quid)
Norwich Union seem to have quotedmehappy on that one then.
Now if you want to use the car in connection with work then thats another ballgame. Seems worth checking the details and ringing round to me.
FiF
AJKOK1 said:
If you have a car insurance policy that limits your driving to social use, but not to be used for driving to and from work...
I've seen bike policies which are this restrictive but are you sure your not covered for Social, Domestice and Pleasure? As previous posters have pointed out, this covers you for your journey to and from work.
rsvmilly said:
I've seen bike policies which are this restrictive but are you sure your not covered for Social, Domestice and Pleasure? As previous posters have pointed out, this covers you for your journey to and from work.
The normal phrasing is "Social, Domestic, Pleasure and Commuting"
Presumably if "commuting" isn't listed then you are not covered for it.
Gareth
Flat in Fifth said:
Now if you want to use the car in connection with work then thats another ballgame. Seems worth checking the details and ringing round to me.
True - that was an extra fiver for me! Going to and from offices etc is easy and cheap, but if you get into commercial traveling that's a lot more I think.
rsvmilly said:
If you have a car insurance policy that limits your driving to social use, but not to be used for driving to and from work...
I've seen bike policies which are this restrictive but are you sure your not covered for Social, Domestice and Pleasure? As previous posters have pointed out, this covers you for your journey to and from work.
I was asked whether or not I wanted my bike insurance to cover travel to and from work. Strangely it cost the same either way. Very odd.
I found that class 1 business use - not just travelling to work but going to meetings etc. was free on both my car policy and my bike policy. Just as long as you're no commercial travelling or carrying samples/doing deliveries you'll be fine. Different underwriters in both cases, so look around and find something that suits you.
Yes there are some insurers that won't insure you for travelling to work, but there are better ones around that will !
Yes there are some insurers that won't insure you for travelling to work, but there are better ones around that will !
rsvmilly said:
I've seen bike policies which are this restrictive but are you sure your not covered for Social, Domestice and Pleasure? As previous posters have pointed out, this covers you for your journey to and from work.
Don't be too sure about that. Most policies which cover travel to work state "commuting to a permanent place of work" Social domestic and pleasure doesn't cover commuting.
DustyC said:
Not all policies are social domestic and pleasure.
It is possible to get social only policies on which you are not permitted to drive your car to and from work.
I know this because I've had one!
Would a "social only" policy mean that you couldn't nip out to the shops?
If "pleasure" was not included, would that mean you'd have to travel everywhere in a permanent state of mild road-rage?
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