One off commute on a classic policy
Discussion
I've got a classic policy which doesn't allow use for commuting. I have booked it to have some work done on what was originally my day off however staff shortages mean I'm going to have to go to work. I can nip out of work and drop the car off with the specialist and then pick it up after work.
Would this count as commuting? My insurance company wants at least £30 for a change.
SD.
Would this count as commuting? My insurance company wants at least £30 for a change.
SD.
You could just risk it. 
Or how about driving it down to the workshop or close to it the night before and parking close by, putting keys through the letterbox? I've done this.
That wouldn't be commuting in it, but of course if it's a high theft risk area, maybe not. You'd need to get home again too, bus? Train?
Or how about driving it down to the workshop or close to it the night before and parking close by, putting keys through the letterbox? I've done this. That wouldn't be commuting in it, but of course if it's a high theft risk area, maybe not. You'd need to get home again too, bus? Train?
I have to be at work well before the garage opens and it's too far to leave it and walk back. The area isn't the best either!
One of my colleagues would follow me down and be able to pick me up and return me to the garage in the evening.
It looks like I'll be paying the £30 fee for piece of mind.
SD.
One of my colleagues would follow me down and be able to pick me up and return me to the garage in the evening.
It looks like I'll be paying the £30 fee for piece of mind.
SD.
Riley Blue said:
JimSuperSix said:
surely you are driving from home to the specialist and then walking to work?
You are not driving from home to work and vice-versa so that's how I interpret it.How is this commuting and not just taking it to a garage? Additionally how would it ever be proved you were “commuting” and not taking it to a pre-arranged garage appointment?
Commuting is the regular use of said vehicle to transport you on a regular basis to and from your normal place(s) of work. Not a one off trip to the garage, that purely for convenience (as you can’t drive two cars at once!) means you stopping off at work on the way due to the timing of the available appointment.
Commuting is the regular use of said vehicle to transport you on a regular basis to and from your normal place(s) of work. Not a one off trip to the garage, that purely for convenience (as you can’t drive two cars at once!) means you stopping off at work on the way due to the timing of the available appointment.
Dingu said:
Riley Blue said:
JimSuperSix said:
surely you are driving from home to the specialist and then walking to work?
You are not driving from home to work and vice-versa so that's how I interpret it.dvs_dave said:
One of many dictionary definitions specifies “on a regular basis”, or similar. This vehicle is not being used to travel to and from work on a regular basis. It’s a one off trip via his workplace in support of the regular upkeep of the vehicle. It’s ridiculous to suggest otherwise.
Cat
dvs_dave said:
One of many dictionary definitions specifies “on a regular basis”, or similar. This vehicle is not being used to travel to and from work on a regular basis. It’s a one off trip via his workplace in support of the regular upkeep of the vehicle. It’s ridiculous to suggest otherwise.
That definition does not align with the clear definition of commuting in my insurance documents, and unless unfair the insurance document is the source of truth.I added commuting onto my classic policy for precisely the OPs reason and it cost £0. £30 sounds close to an admin fee, if that is with the usual insurer it might be the same case here.
Edit just looked up the precise wording:
"including travel between the driver's home and permanent place of work."
My standard road policy says:
"Covered for social, domestic and pleasure use, including commuting to a single place of work, provided no business visits are made on the way."
Nothing to do with frequency.
Edited by boombang on Friday 24th March 08:09
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