Soldato
- Joined
- 11 Aug 2012
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- 4,554
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- Wales
I don't understand why some people can't figure out "commuting"
Oh I understand now, you've put another M in instead of P for computing...Right?
Extremely worried about my insurance claim
- Thread starter Ryanjames
- Start date
Oh I understand now, you've put another M in instead of P for computing...Right?
Was reading this thread and what comes on The Interceptors, they pull over a guy delivering food for Mango who when they check has no business insurance, got summoned to appear in court according to the summary at the end.
I think the best thing for the OP to do in this case is to say he was drunk when he was driving and due to this he misspoke on the phone as he thought he was off to work but really he was just trying to find a kebab. This way the policy is still on Social use only and he doesn't have to worry about the commuting clause.
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Nope not bull, definitely a thing ..
https://metro.co.uk/2017/12/18/driver-stopped-insurance-doesnt-cover-commute-work-7168359/
Driving without suitable insurance for the journey being undertaken.
It's certainly a thing (the offence), but afaik askmid just says Insured/Uninsured, not specifics like Commuting/Business etc, so unlikely to be pulled by ANPR etc.
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Which is why on Police Interceptors etc they ring the insurer to find out details like whose name it's actually insured under etc.
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Whilst the insurance company would be obligated to pay out to any third party he damaged if you are driving in a manner that is not covered by your insurance (ie delivering food without business cover, or commuting without commuting cover) you are effectively driving "without insurance". The fact that other processes mean a third party wouldn't be left affected as well dont change the origional offence.
So what happens if he crashes whilst commuting when driving on 3rd party fire and theft? An insurance policy always covers 3rd parties as you say, the fact you might pick and choose what you yourself are covered for doesn't change that.
There’s more to that story as the address was incorrect for the policy also...
Unless there’s a specific reason why police have pulled you over, they are not going to check your policy insurance unless there’s a valid reason. Otherwise it will say insured and you’d be fine.
Was actually on Police Interceptos as a guy was doing deliveries for a takeaway and didn’t have business use on his policy, they gave him a fine...
Whether you commute isn't just about the risk you pose to your own vehicle. It's equally an offence in a 3rd party only policy to not declare that you'll be commuting.
So what your saying is, if I DOC and commute I'm breaking the law? Right.
Well I was referring to TPO policies.
But yes, with DOC if you check the phrasing on your certificate you would not be correctly insured. It will clearly define what uses the policyholder is covered for. It will separately define what vehicles are covered (or more specifically permitted to drive).
Well, every policy certificate I still have copies of states that it always covers 3rd parties right at the bottom, regardless of my own cover *shrug*.
As for third party liability, that is separate to someone being correctly insured or not.
https://en.wikipedia.org/wiki/RTA_Insurer#List_of_insurance_covers
That is a good diagram.
The way the law works in the UK, an insurer can void a policy (e.g. because its a 17 year old claiming to be 50) but because they didn't void the policy before any accident, they will have to pay for any third party damage or injury (but that doesn't make the 17 year old insured).
https://en.wikipedia.org/wiki/RTA_Insurer#List_of_insurance_covers
That is a good diagram.
The way the law works in the UK, an insurer can void a policy (e.g. because its a 17 year old claiming to be 50) but because they didn't void the policy before any accident, they will have to pay for any third party damage or injury (but that doesn't make the 17 year old insured).
I'm not sure that's even remotely true.
I actually had an accident on the way to work when I didn't have commuting insurance. I simply explained to the insurance company that I was at a social meeting the night before (true as I visited a friend in London) and that I had driven from there to work and then planned to drive home, in the end they did take some money away from my final settlement to cover the additional cost of commuting but they paid out and never really asked any more questions. All the police cared about was the accident and if we both had insurance, they never went into further detail other than if I was covered by a policy, I was however cautioned at the scene following further investigation and pending the health of the gent who ended up wedged under my car.
It was a bad one as well as it was a biker who got taken away in an ambulance he was wearing no leathers, driving a high powered sports bike like a tool in shorts and a t-shirt. None the less I felt really bad as accidents like that have the potential to change somebodies life, I was massively worried about what might happen. It took pretty much 6 months to a year before the police tracked me down and delivered me a letter explaining that they wouldn't be perusing me any more and that they would be taking action against the other driver (no insurance/license and some other stuff) so from a criminal point of view I was all good. From the civil side my insurance paid out as a fault claim again me which wasn't fully settled until many years later.
I am sure I actually have the letter from the police and the insurance company laying around somewhere, even if that was more than 10 years ago.
It was a bad one as well as it was a biker who got taken away in an ambulance he was wearing no leathers, driving a high powered sports bike like a tool in shorts and a t-shirt. None the less I felt really bad as accidents like that have the potential to change somebodies life, I was massively worried about what might happen. It took pretty much 6 months to a year before the police tracked me down and delivered me a letter explaining that they wouldn't be perusing me any more and that they would be taking action against the other driver (no insurance/license and some other stuff) so from a criminal point of view I was all good. From the civil side my insurance paid out as a fault claim again me which wasn't fully settled until many years later.
I am sure I actually have the letter from the police and the insurance company laying around somewhere, even if that was more than 10 years ago.
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Well it is. Only people with certain occupations or lower experience (usually 2 years) won't be given DOC. An age of 25 years is generally otherwise the threshold for DOC to kick in. Happy to be proven wrong.
I have to admit, seeing this thread and some of the replies I had to check my insurance to ensure that both of the policies I have include commuting and they do. Again, it's not something I've ever thought about not including as my wife drives to work daily and although I work from home in the main I do have to pop into the offices in Bracknell a couple of times a month.