Where does he say he picked non commuting because it was cheaper? Check.so you use your car for commuting - check
you didn't pick commuting because it was cheaper not to - check
therefore you were happy to drive without correct insurance because it was cheaper? - check
you now need the insurance and are happy to pay the difference - check
IMO they shouldn't pay you because you were clearly trying to game the system. which means those who do not now have to pay increased premiums because of people like you.
it wasn't an honest mistake. it's a multiple choice question. they ask you what type you need and you picked the wrong one on purpose because it was cheaper.
you reap what you sow.
Where does he say he picked non commuting because it was cheaper? Check.
He’s admitted it was a mistake. Check.
He’s put his hands up and been honest about his mistake(s). Check.
Somewhat craptastic post. Check.
I agree he seems entirely clueless about insurance - fair enough tbh, it’s a mine field to the uneducated on such matters - I don’t think he’s deliberately doing anything wrong as such, but, ignorance is no defence and all that.regardless - he doesn't seem to understand how car insurance works or what commuting is.
he thinks if he uses his car "after work" to travel to jamaica. then he doesn't need commuting. because his car got to work by magic. therefore he doesn't need commuting because his car magically appears at work every day he is at work.
I agree he seems entirely clueless about insurance - fair enough tbh, it’s a mine field to the uneducated on such matters - I don’t think he’s deliberately doing anything wrong as such, but, ignorance is no defence and all that.
Anyway OP, have you been hung out to dry yet?
I've already warned you for posting unhelpful nonsense and yet you continue. Consider this a last warning.having a new born is no excuse either.
you can renew insurance 30 days in advance iirc. so he had 30 days to do it in. unless he just bought the car. which if he did then if he's just handed over £4K for a car he would be making purchase i imagine under sound judgement. because nobody would hand over £4K in a pressurised situation he is trying to create in the minds of the insurer that he was under duress. the same judgement he should be using when insuring the car.
he somehow managed to tick all the other correct boxes after all. how come he didn't end up with business cover or insuring a ferrari?
it's just not plausible IMO especially coupled with the fact he doesn't understand insurance.
Ever had a new born? Never mind one that’s in an ICU? Enough to frazzle the most methodically minded trust me!having a new born is no excuse either.
you can renew insurance 30 days in advance iirc. so he had 30 days to do it in. unless he just bought the car. which if he did then if he's just handed over £4K for a car he would be making purchase i imagine under sound judgement. because nobody would hand over £4K in a pressurised situation he is trying to create in the minds of the insurer that he was under duress. the same judgement he should be using when insuring the car.
he somehow managed to tick all the other correct boxes after all. how come he didn't end up with business cover or insuring a ferrari?
it's just not plausible IMO especially coupled with the fact he doesn't understand insurance.
Adding in time restrictions seems to complicate things, i've never been asked what hours i drive my car, although some on here have mentioned they have. For example if you were retired, ergo not needing a commuting policy, there's nothing to say you're not allowed to be on the road during typical rush hour (it would be great if that would be the case mind!). Same with the SDP+Commuting and not driving within work hours, what if i'm driving to the shops during my lunch hour, i'm not conducting any business, this would be purely domestic.
never seen that stipulation. if you have SDP you're covered for any driving you do no matter what the hours.
The work hours thing is not really relevant.
I think also in my household I do all the insurance policies, God forbid if my wife did it as she wouldn't have a clue.
Most people with Admiral will have DOC.
Where does he say he picked non commuting because it was cheaper? Check.
He’s admitted it was a mistake. Check.
He’s put his hands up and been honest about his mistake(s). Check.
Somewhat craptastic post. Check.
My last policy (different insurer, same circumstances) had it.
If one good thing comes out of this thread it’s that people are now checking their insurance policies properly, which includes me and it’s a good job i have checked, last week I sorted out my daughters new policy for the year and she wasn’t covered for commuting because I missed the check box (so it is an easy mistake), a quick call to direct line and it’s now added at no extra charge. To OP I hope you get it sorted but I really glad you posted here for advice.