questions re. car insurance for "social, domestic & pleasure" use
John Nagelson
pleasure" use doesn't cover driving to work, whether regularly
("commuting") or even as a one-off.
Does it usually cover:
* driving a family member to work?
* driving a family member to university, where they are a student?
* driving oneself to university, where one is a student?
Does it usually cover any of these, either done regularly or as a one-
off?
Thanks!
John
*
Brimstone
"John Nagelson" <johnna...@yahoo.co.uk> wrote in message
news:e06f6793-a8a0-4785...@k11g2000vbf.googlegroups.com...
in all personal car policies. If not, then millions of people break the law
every day.
Adrian
like they were saying:
>> Hi, I know a car insurance policy that's only for "social, domestic &
>> pleasure" use doesn't cover driving to work, whether regularly
>> ("commuting") or even as a one-off.
>>
>> Does it usually cover:
>>
>> * driving a family member to work?
>> * driving a family member to university, where they are a student? *
>> driving oneself to university, where one is a student?
>>
>> Does it usually cover any of these, either done regularly or as a one-
>> off?
> I suggest they all come under "Social, Domestic and Pleasure" which
> feature in all personal car policies. If not, then millions of people
> break the law every day.
No, because most normal car policies cover SDP+Commuting.
But not all. It's often a quiet option on pikier policies, or something
you can knock off if not required. 'erselfs Pug isn't covered for
commuting - she commutes by train.
shazzbat
"Adrian" <tooma...@gmail.com> wrote in message
news:8fuen...@mid.individual.net...
If you enjoy your job, that makes it pleasure. Just drive with a permanent
smile on your face. People will think you're an idiot, but you'll be
covered.
Steve
Mortimer
news:i7d1eu$61p$1...@news.albasani.net...
>
>>> I suggest they all come under "Social, Domestic and Pleasure" which
>>> feature in all personal car policies. If not, then millions of people
>>> break the law every day.
>>
>> No, because most normal car policies cover SDP+Commuting.
>>
>> But not all. It's often a quiet option on pikier policies, or something
>> you can knock off if not required. 'erselfs Pug isn't covered for
>> commuting - she commutes by train.
>
> If you enjoy your job, that makes it pleasure. Just drive with a permanent
> smile on your face. People will think you're an idiot, but you'll be
> covered.
LOL
When I became self-employed I needed to make sure that my policy would cover
me driving to/from clients' houses in connection with my business. I was
surprised that adding this cover didn't add anything to my (comprehensive)
premium. This is Direct Line. I think the guy said it was included as
standard, as long as I wasn't doing commercial travelling as a sales rep.
Douglas Payne
From experience, when you are a new driver, adding 'Commuting' to a SDP
policy makes a difference of £20-50 or so, and that can be the
difference between being able to afford the girls' knicker-removing
Banger of your choice, or the brown loafersmobile your dad thinks is a
good, sensible bet. (c:
--
Douglas
R D S
"John Nagelson" <johnna...@yahoo.co.uk> wrote in message
news:e06f6793-a8a0-4785...@k11g2000vbf.googlegroups.com...
> pleasure" use doesn't cover driving to work, whether regularly
> ("commuting") or even as a one-off.
>
for commuting. It cost no extra when I called up and they added it.
It must be part of their arsenal of potential excuses not to pay when a
claim is put in.
Nightjar
> Hi, I know a car insurance policy that's only for "social, domestic&
> pleasure" use doesn't cover driving to work, whether regularly
> ("commuting") or even as a one-off.
>
> Does it usually cover:
>
> * driving a family member to work?
The wording of the relevant section on my policy is 'Use for travel to
and fom a place of paid employment'. I would read that as meaning that,
unless you have that cover, you would not be covered for driving anyone
to work.
> * driving a family member to university, where they are a student?
> * driving oneself to university, where one is a student?
I cannot find those uses either specifically included or excluded on my
policy. The best way in any case where you are unsure what is covered by
insurance is to ask the insurer. That way, if it is important, they
cannot claim you have failed to disclose a material fact.
Colin Bignell
Grimly Curmudgeon
drugs began to take hold. I remember "Mortimer" <m...@privacy.net> saying
something like:
>When I became self-employed I needed to make sure that my policy would cover
>me driving to/from clients' houses in connection with my business. I was
>surprised that adding this cover didn't add anything to my (comprehensive)
>premium. This is Direct Line. I think the guy said it was included as
>standard, as long as I wasn't doing commercial travelling as a sales rep.
Same here. Not a jot extra to add Class 2 Business insurance, as long as
I'm not carrying goods or samples. It's perfectly fine to carry the
tools of my trade, etc. In truth, I actually do fewer miles than many
commuters, especially nowadays.
Theo Markettos
> Same here. Not a jot extra to add Class 2 Business insurance, as long as
> I'm not carrying goods or samples. It's perfectly fine to carry the
> tools of my trade, etc. In truth, I actually do fewer miles than many
> commuters, especially nowadays.
Sometimes adding business cover can make the policy actually go down. I
wonder how much of a nominal business you have to undertake to count?
Theo