If you drive and park near a station, to catch train/tube to work, does that constitute commuting ?
Someone has hit my car whilst I was at work and not left any note, so just wondering if that is considered 'commuting' or if commuting is driving to the place of work.
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Was delivering christmas cards...
Here's an example of what an insurance co says about it under its SD&P section:
However you will not be covered for driving to the station on your way to work, driving to your workplace itself, or for using the car in any other way connected with work.
wasnt to save money - just oversight when moving.
You are fine & did not invalidate your insurance.
PS But you have already sussed this out
What's the difference?
Social, Domestic & Pleasure (SDP) covers all named drivers for everyday journeys, but does not insure commuting or any trips related to work or study.
Social, Domestic, Pleasure & Commuting (SDPC) covers all named drivers for everyday journeys, including to and from a single place of work or study (or any location part of the daily commute, such as a station).
Social & Business covers travel to more than one workplace and travel during the day for work, and well as SDPC travel. The policyholder can be covered for business use, and also their spouse or partner if they are a named driver. This does not cover deliveries or travel with paying passengers, and not all customers will be eligible to choose it.
But then again, it wasn't an accident to or from the station.
It was parked up in a road.
maybe I parked there to get tube to Westfield Stratford....
I bet a lot less than the repairs.
Once upon a time social domestic and pleasure included travel to and from the normal place of work although you needed business cover of some description if visiting client / customer premises
If the car was stationary and hit by person or persons unidentified your reason for being in the location is irrelevant I would have thought even though the bastards will try to duck out as they inevitably do!
On the other hand insurance companies are far from stupid and come into contact with idiots who try this sort of stuff every day. I cannot believe how dumb some people are when dealing with insurers. They do this stuff for a living and like nothing more than a valid reason to turn down a claim. They have very sophisticated ways of checking out all those porkie pies.
You know that nice "we may record this telephone conversation" message? Well, they do, every single one.
Since the early 2000s, some (now possibly all?) firms are running software called "voice risk analysis" which flags if it thinks you are lying. That on top of the data mining software and data sharing that they've been doing for years.
A nice chatty operative (aka someone who works in the fraud department but they won't tell you that) will then get you talking about where you went for your holiday, what sort of work you do, whether it's a full time job, how you get there, that sort of thing.
Before you know where you are, your claim will be denied, your existing policy will be cancelled and you'll never get motor insurance ever again. Worth trying? Probably not. Unless you want to be walking to work until you collect your pension.
Oh, then there's this story: ayradvertiser.com/news/ayr/articles/2013/11/01/477136-grandmother-has-her-car-impounded-and-is-forced-to-pay-450/
I'm not in the car insurance game, but with so many other posters calling you out, you might want to check your facts.
Motor insurance is a ferociously competitive market. The insurers are looking for as many ways as possible to provide the lowest possible quotes. One way, is to not have certain motorists, the retired for example, subsidising those who take their cars out on the road in all weathers and particularly during the hours of darkness in the winter when a large number of vehicles are on the road. That's why they split commuting out of standard SDP to make sure their products were properly focussed on those that need them and people were not paying for aspects of cover they didn't need. Other changes have included a black box in your car; having a clause which declines to pay out in the event you were drink/driving; that sort of thing.
I'm just surprised they haven't got even more sophisticated. What happens when they cotton on to football supporters who are out driving in all weathers for those pesky mid-week winter matches? Will there be a SDP without commuting and without supporting Charlton policy? ;-)
So if you have got Social and Domestic use policy:
Axa Insurance - not covered for going to/from station and place of work.
LV insurance - you are covered going to/from station or one place of work.
In 9 years of Motor Claims handling, the only claims I've seem thrown out for this are the ones who are too stupid to remember they said they didn't commute at the start of the policy.
If you drive to a station or to your primary fixed place of work, that is covered under Social, Domestic and Pleasure. In other words, commuting is included in SD&P.
However, if you need to drive as part of your job, for example you need to drive to other locations as part of your role, you need to insure for Business Use.
In addition, if you have 2 jobs you will also need Business Use as you will essentially have more than one fixed place of work.
Changing your policy from SD&P to Business Use typically costs nothing extra. If you have 2 jobs, make sure your insurers know. Again, does not cost any extra.
Also, if you are the policy holder for one car and a named driver for another vehicle on a different policy, you'll potentially need that policy also changed to Business Use.
If you open a policy with Churchill via an online quote, the policy is now automatically setup as Business Use. This may not be the case if you opened your policy via an online quote a few years ago. Check your documentation.
Hope this is useful. Remember, different insurance companies may have a different approach so best speak to your insurers.