This may have been covered in a thread before but I couldn't see it when I searched. While reading a forum aimed at Brazilian citizens living abroad I came across this recent story about car insurance in the UK (link in UK press). Apparently many social, domestic and pleasure insurance policy's do not cover commuting too and from work, as the story linked to above appears to show. It seems you need to have what the Motor Insurance Bureau calls "social, domestic, pleasure and commuting" cover. As many as 33% of people insured with social, domestic and pleasure are unaware of this according to one poster who heard this story covered on the radio in an interview with someone from the Motor Insurance Bureau, if that's really the case you'd think they would make it clear when applying for insurance. Just posted for information really, here insurance is different as it is the car that is insured not the driver.