Caporegime
- Joined
- 30 Jul 2013
- Posts
- 28,887
Extremely worried about my insurance claim
- Thread starter Ryanjames
- Start date
Associate
- Joined
- 20 Apr 2008
- Posts
- 396
Exactly, besides Most tesco employees do their shop after they have finished the shift. Why would anyone finish work at tesco, go home and then think.....oh I'll go shopping at tesco
Man of Honour
Lost for words.
Soldato
But but what about if, like me, you don't have insurance for social or domestic or pleasure or commuting and you bought your car in the hope that you could just drive it and.. wait.... this is bad isn't it
Soldato
I think part of this is down to how most people now do it themselves online.
When you used to use a broker (for us old farts) one of the questions they asked was about work, "do you use it for travelling to work?" "yes", add commuting
"is that a permanent place of work or do you travel to other locations as well" "Only one" : Non business "more than one" : add business. "Then how many miles etc"
Because online they are trying to make it as quick as possible they seem to actually make it harder to do quickly because in my experience when you go to the insurers site from the quote site its almost always wrong, so you do it again just to get it right then get a diff premium etc.
The reason you now get asked more questions is that the insurers quote engines and stats are now better. They know more of the risks and they can easily include more factors.
I dont believe SDP should automatically include commuting. Plenty of people don't work. Second cars, stay at home parents, the retired etc.
The more worrying one for me is that a lot of people should have some ;limited business mileage, and it costs naff all, yet most do not.
If you do anything like taking stuff to the bank, post office, nip round the shops due to running out of coffee, giving people a lift for a works event, even attending a works event in your car your doing business miles.
When you used to use a broker (for us old farts) one of the questions they asked was about work, "do you use it for travelling to work?" "yes", add commuting
"is that a permanent place of work or do you travel to other locations as well" "Only one" : Non business "more than one" : add business. "Then how many miles etc"
Because online they are trying to make it as quick as possible they seem to actually make it harder to do quickly because in my experience when you go to the insurers site from the quote site its almost always wrong, so you do it again just to get it right then get a diff premium etc.
The reason you now get asked more questions is that the insurers quote engines and stats are now better. They know more of the risks and they can easily include more factors.
I dont believe SDP should automatically include commuting. Plenty of people don't work. Second cars, stay at home parents, the retired etc.
The more worrying one for me is that a lot of people should have some ;limited business mileage, and it costs naff all, yet most do not.
If you do anything like taking stuff to the bank, post office, nip round the shops due to running out of coffee, giving people a lift for a works event, even attending a works event in your car your doing business miles.
Man of Honour
Wow, this thread is bizarre, why is something so simple so hard to grasp for some people?
Soldato
Probably should add business to both my cars as a result of this thread.
Soldato
I don't understand why some people can't figure out "commuting" 
Soldato
I don't understand why some people can't figure out "commuting"
It's scary that they're allowed to drive tbh.
Soldato
I know :/
It's so simple - if you're driving to where you work during rush hour, you're commuting....
Associate
It's an odd thread this one
All the theoretical questions about "I leave work and then..." - Well obviously you'd need commuting because at some point you'd have driven to or from your place of work.
It's a crap situation for the op to be in and hopefully the insurance company will take pity on the situation... But they don't have to, as no matter what the circumstances, it is the drivers responsibility at all times to ensure the vehicle is correctly insured. Ignorance is not an excuse as they say.
How it works out for you.
All the theoretical questions about "I leave work and then..." - Well obviously you'd need commuting because at some point you'd have driven to or from your place of work.
It's a crap situation for the op to be in and hopefully the insurance company will take pity on the situation... But they don't have to, as no matter what the circumstances, it is the drivers responsibility at all times to ensure the vehicle is correctly insured. Ignorance is not an excuse as they say.
How it works out for you.
I called ALL of the countries insurance companies this morning as promised above and they all said "do you know Ryan James perchance?".
Sorry, I tried.
I know :/
It's so simple - if you're driving to where you work during rush hour, you're commuting....
Doesn't have to be rush hour for it to be a commute. Just your normal place of work.
Soldato
I've never not had commuting on my insurance policies - certainly when I've been playing around with quotes in the past, removing it / adding it adds/removes more or less nothing from the premium.
I'm with Direct Line so I have a level of Business Use included, however I am covered in my own car if I'm using it on behalf of the business by the business itself (they cover all employees in their own car if they are travelling to a different site or visiting a supplier etc), which is useful.
I've only read about half the pages on this thread, but I'm amazed how many people don't quite get this.
I'm with Direct Line so I have a level of Business Use included, however I am covered in my own car if I'm using it on behalf of the business by the business itself (they cover all employees in their own car if they are travelling to a different site or visiting a supplier etc), which is useful.
I've only read about half the pages on this thread, but I'm amazed how many people don't quite get this.
Soldato
I've always assumed commuting is for commuting to work - never questioned it.
I think everyone 'gets it' they just can't believe it's a thing.
Associate
It's simple, if you have a job and use your car to get to that job, you need commuting.
The cheeky bit that I've noticed in the last few years is they now want to know if you drive during rush hour. I know statistically your chances of an accident are higher in rush hour but come on, I'm paying for S,D and C, surely that should cover me regardless of time of day and I shouldn't pay more for using my car during normal office opening/closing hours.
if I had an accident in rush hour but missed that box would I then be stuffed?
It's a relentless industry!
The cheeky bit that I've noticed in the last few years is they now want to know if you drive during rush hour. I know statistically your chances of an accident are higher in rush hour but come on, I'm paying for S,D and C, surely that should cover me regardless of time of day and I shouldn't pay more for using my car during normal office opening/closing hours.
if I had an accident in rush hour but missed that box would I then be stuffed?
It's a relentless industry!
Associate
Don't need commuting on the policy, simply don't say you were going to work when said accident happened, BOOM! save 50p on the policy.