Wouldn't they claim from the negligent party? Ie the party responsible for the aircraft
Extremely worried about my insurance claim
- Thread starter Ryanjames
- Start date
Wouldn't they claim from the negligent party? Ie the party responsible for the aircraft
Maybe I should just reply to the email and they can get back to me when they're open. I'm just worried that it'll make things worse!
Soldato
They'll never respond to emails quick. Call and have a chat.
Soldato
When was commuting to work an optional extra? Surely the included in the Domestic part of SD&P. WTF!
Can you tell I've not changed insurance companies in 5 years....
Can you tell I've not changed insurance companies in 5 years....
Caporegime
- Joined
- 30 Jul 2013
- Posts
- 28,962
It always has been as long as I can remember (and I've been driving for 18 years)
'Social, Domestic and pleasure'
'Social, domestic, pleasure and commuting'
'Business'
I have to get business as I occasionally have to use my car for work, during work hours.
They then ask you how many of the miles you've put down (e.g. 12k) are business and how many are social.
Soldato
25 years here, and I've never seen it.
That said I get my insurance through the union nowadays, so business usage is covered. Still only do 2500 miles a year though!
Soldato
Soldato
Yup always seen it. Some companies include commuting to a single place of work as standard.
Usually you've got the 3 types listed above.
My mate was pulled over by police and done for no insurance while on his way to work. He had everything but did not tick commuting and got done and car seized. 6 PTS on his license too and a fine, can't remember how much now.
Usually you've got the 3 types listed above.
My mate was pulled over by police and done for no insurance while on his way to work. He had everything but did not tick commuting and got done and car seized. 6 PTS on his license too and a fine, can't remember how much now.
Having worked in motor insurance for 3.5 years I can happily state that the place I worked at didn't do everything they could to get out of claims, it was quite the opposite. Standard practice was to re-rate the policy correctly back to the inception date & take any increased premium out of the payout value.
Claims did get voided where the original risk was deemed unacceptable such as a 21 year old with undeclared mods as we couldn't cover mods on a car with anyone under 25 on the policy, practice in these cases was to refund the original premium & leave them with a wrecked car.
Claims did get voided where the original risk was deemed unacceptable such as a 21 year old with undeclared mods as we couldn't cover mods on a car with anyone under 25 on the policy, practice in these cases was to refund the original premium & leave them with a wrecked car.
So if I was to give them a call, what would you recommend I say? Obviously I don't want to sound like I'm trying to contact them, but at the same time I don't want to be left hung out to dry by them!
I'd just call them & say you are looking for an update, don't mention the commuting issue.
I've just spoken to them. He read the email that they sent and has added commuting onto my policy. He said for me to call the claims team on Monday to see the status of my claim but he thinks that I might be able to continue with the claim as it doesn't state on the email that my claim has been affected by not having commuting on my policy
Soldato
I always put class 1 business cover on my insurance as this ( almost always ) covers you for commuting to work be it the same place or as in my case sometimes multiple places.
Business class 1 usually costs nothing more than a normal comprehensive policy.
As a side point i bet there are hundreds of thousands of people merrily driving about not knowing that they have the wrong cover, until something goes wrong!
Business class 1 usually costs nothing more than a normal comprehensive policy.
As a side point i bet there are hundreds of thousands of people merrily driving about not knowing that they have the wrong cover, until something goes wrong!
Soldato
I read their email in a very different way. They haven’t explicitly stated your policy was void so I’m sure you’ll be fine.
They’ll likely deduct a nominal figure to contribute to what the extra would have cost you back when you took the policy out.
I’d also expect if they weren’t going to assist in the claim, that they’d chuck you the car and say come collect it.
They’ll likely deduct a nominal figure to contribute to what the extra would have cost you back when you took the policy out.
I’d also expect if they weren’t going to assist in the claim, that they’d chuck you the car and say come collect it.
You won't get an answer until you can speak with the claims department. It's likely that the people you've been dealing with so far are simply there to log the claim, and the calls, and then raise it with the claims dept. Only they will be able to make a decision on whether to pay. As mentioned by others, you were unfortunately driving outside of the insurance that you took out. I would expect them to pay any third party liability such as the damaged post. But they may or may not meet the claim for the car. I don't expect that the fact they have allowed you to amend your policy to now include commuting bears much on whether the current claim will be accepted or rejected. It simply means that you are covered from the point you added commuting. However I can't see any point in now adding commuting to the policy; because the car is a write off the policy will either end if they pay out, or it would end when you cancel it due to no longer having a car.
Hopefully they will pay out but they appear to be entitled to reject the claim. But good luck.
Hopefully they will pay out but they appear to be entitled to reject the claim. But good luck.
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We don't need logic and experience m8, it's better to terrify the OP with doom, conjecture and anecdote presented as fact.
OP - have a read of the insurance ombudsman's website. There are a number of example judgements with similar circumstances that might give you an idea of how such a situation is supposed to be handled.
Commissario
I've only skimmed the thread but this raises an interesting point for me. I work from home, my normal place of work is my home office. Twice a month I travel to the main head office which is about a 220 mile round trip. I need to check my policy but I don't ever remember having to specify commuting before. Should I be concerned if my policy doesn't specify it?
Previously when I didn't work from home I always had business cover but when I was made redundant, I removed that from my policy on renewal.
Previously when I didn't work from home I always had business cover but when I was made redundant, I removed that from my policy on renewal.
Soldato
*makes mental note to check policy he purchased through price comparison site.
Definitely check the small print, etc.
they seem to have stealthy shuffled the options around a bit over the last 1-2 years or so - I nearly got it wrong a couple of weeks back due to that as the old options I'd been using no longer covered commuting.Personally I think it is kind of bad - commuting to work should be covered by social except in specific cases.