Car insurance warning UK

Discussion in 'transport' started by 1%er, Dec 19, 2017.

  1. 1%er

    1%er Well-Known Member

    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.
  2. mauvais

    mauvais change has become unavoidable

    Has been that way for a long time, and it is pretty clear I think. You then need an additional level of cover ('business') if you're going to drive for work to/from somewhere that isn't your normal place of work.

    Realistically unless it could be shown that either (a) you had attempted to defraud the insurer either wilfully or unreasonably carelessly, or (b) that had they known the true facts, they wouldn't have insured you at all, then in the event of a claim you will probably still be covered, but you will have to pay the difference in premium between what you told them and what was actually the case.
    Spymaster, keybored and cupid_stunt like this.
  3. cybershot

    cybershot Well-Known Member

    The article is not clear, and is probably done intentionally for clickbait.

    I think most people will have that type of insurance.

    What the article doesn't state is the time he was caught out, and if he was travelling from office to office, in which case, then yes, he needs to be covered for business too.
    cupid_stunt likes this.
  4. marty21

    marty21 One on one? You're crazy.

    Been about 6 years since I could drive to work but I was aware of the commuting bit on the insurance.
    Spymaster likes this.
  5. The Boy

    The Boy danny la rouge is probably wrong.

    Isn't there an actual question on the form where you say what you will be using the car for, including commute for work?

    Edit: yeah, one of the first questions on gocompare. Fuss over nothing.
  6. 1%er

    1%er Well-Known Member

    The article I linked to above says he was stopped on his way to work, having read other newspapers online now some say he was on his way home from work.

    It seems to me that having insurance that covers the car not the driver is a better option, I pay the equivalent of about 800 UK pounds for my car, that is for any driver comprehensive (over 25 my stipulation, government insurance here which is very basic cover and you get with your annual registration, is about 200 UK pounds, if the car is registered). The big problem where I live is that most people don't have a license and those that do just paid the local official about 50 UK pounds and got theirs, countryside folk and no police :)
  7. pogofish

    pogofish Testicle Hairstyle

    I'm not entirely convinced about that article - FCA in the UK are actually pretty strict about insurers providing RTA cover under most circumstances other than outright fraud/avoidance and most of what is claimed to "invalidate" insurance actually won't, so third party cover would still apply and at worst, the driver would have only invalidated the individual cover elements of the policy but they do not affect legality on-road.

    I also wonder at the knowledge of the copper who knew that the insurer didn't cover commuting in SD&P, as although some companies don't, many do.
    A380 and cupid_stunt like this.
  8. mauvais

    mauvais change has become unavoidable

    The insurer bears the principle liability for all sorts of things, including for example someone stealing your car and causing damage to a third party with it, but there are scenarios in which it will not only not pay out to you, but seek to recover whatever it has to pay out to others from you the policyholder.
    pogofish likes this.
  9. cybershot

    cybershot Well-Known Member

    Every reg of a car is scanned that a police car is behind, so his insurance details would be easily visible. Unless the guy was wearing a suit I'm not sure how he would have had reason to pull him over, most coppers would probably have turned a blind eye unless they were in desperate need of a stat.
    Ponyutd and pogofish like this.
  10. mauvais

    mauvais change has become unavoidable

    AFAIK the insurance database, MID, only includes whether a car is insured in some form, and even then not always (e.g. covered by motor trade policies). It doesn't include who is covered or what kind of cover is in place. The police would look at paperwork or ring the insurer. In this case they were probably stopped for some other reason.
    cupid_stunt likes this.
  11. joustmaster

    joustmaster offcumdun

    Another thing people seem to not realise -
    A lot of people assume that if you have comprehensive insurance for your car, that you can also drive any car and are covered 3rd party.
    This used to be the case. But a lot of insurance have stopped doing it.
    Fez909, dessiato and mauvais like this.
  12. A380

    A380 How do I change this 'custom title' thing then?

    Unless you specify that you don’t want the commuting cover most car policies will include it on top of SDP cover automatically.

    You do have to be careful with camper van or motor caravan coverage. Many specialised cover for these will specifically exclude driving to work.
  13. mauvais

    mauvais change has become unavoidable

    Ditto classic car, which can become a cost-effective option if you do few miles and drive something old enough.
    A380 and Poi E like this.
  14. cupid_stunt

    cupid_stunt Dyslexic King Cnut the Great.

    Certainly when I worked briefly in insurance, OK 35 years ago, to & from work travel was covered under SDP, on the basis it's not business mileage, and therefore must be domestic.
  15. hash tag

    hash tag Pedicabo omnes

    I think it would be pretty difficult to prove you were driving to work and that you were not going to a meeting, see a friend, go shopping Etc.

    I wasn't aware all police cars had ANPR?

    Trouble with this is the hours. I could qualify but don't because I have to use my car outside their given hours.
  16. mauvais

    mauvais change has become unavoidable

    Would it - halfway between home and work at 9am? If you were employed, they would want to see that you'd booked holiday etc.

    I don't think they're all hours-based.
  17. hash tag

    hash tag Pedicabo omnes

    I don't have a 9-5 job and if push came to shove, it would be difficult to argue the toss over commuting or shopping - I just did a bit of shopping on my way in.....
  18. dessiato

    dessiato Looking for my shopping trolley

    I've been driving for many years and always was asked if I wanted commuting including. I've always had fully comp. In my experience it always works out better value.
  19. mauvais

    mauvais change has become unavoidable

    Which is commuting. Prison it is.
  20. Dogsauce

    Dogsauce Lord of the Dance Settee

    Mine is only insured for social, domestic and pleasure, deliberately excluded commuting because a) I'm in London and you have to be mental/rich to drive to work and b) I don't have a job.

    When I was in Leeds I think I drove to work twice with it, but only because I was travelling on to somewhere after work, but still probably a breach of the rules.
    Bahnhof Strasse likes this.
  21. A380

    A380 How do I change this 'custom title' thing then?

    This is never going to be investigated by the police. What would happen is that if you had an accident on your way to work with such a policy exclusion the insurance company just wouldn't pay out.

    Its like most insurance breaches. the insurers son't look hard when you are paying your premiums. If you make a claim though the investigation will starts.
  22. mauvais

    mauvais change has become unavoidable

    It's unlikely but I wouldn't rule it out, the police do checkpoint stops to check for uninsured drivers etc, or pull you over for other reasons, and if they want to get you, they can do this detailed check. Insufficient cover is still the offence of driving without insurance, six points and a big fine IIRC.

    Otherwise generally I agree. My car got written off this year under fairly simple circumstances and they wanted a lot of info.
    A380 likes this.
  23. Ponyutd

    Ponyutd Greebo likes this....r.i.p.

    What if you were taking someone to work, but not working yourself?
  24. mauvais

    mauvais change has become unavoidable

    Don't know, you'd have to ask the insurer. If it was a regular trip, i.e. you did it every day, then I suspect it's commuting. If not then perhaps domestic.
    Ponyutd likes this.
  25. cybershot

    cybershot Well-Known Member

    WMP pull people up all the time for no insurance. Check their traffic car twitter feed. I suspect other forces are the same.
    mauvais likes this.
  26. weltweit

    weltweit Well-Known Member

    I might need to check my policy, but I am pretty sure I have use for work as a remainder of when I used to be self employed.
  27. Spymaster

    Spymaster Trigger

    If the car is ANPR equipped but I accidentally drove without insurance for a month in the summer in ANPR zones, in and around central London and on motorways, with numerous police cars in front and behind me and was never stopped. I changed the car and thought I’d insured the new one and only realised that it wasn’t on risk when I noticed the premium wasn’t being taken from my bank. Mad mistake.
    Last edited: Dec 21, 2017
    A380 likes this.
  28. plurker

    plurker tú no tienes la culpa mi amor que el mundo sea feo

    I have had classic policies on many vehicles, via different insurers, for the last ten years.

    Not one of them has been hours-based, but some have been mileage-limited.

    Currently both vehicles are on classic policies that aren't limited in any way.
    (With Adrian Flux and HIC, if that's of use...)
    mauvais and hash tag like this.
  29. Dogsauce

    Dogsauce Lord of the Dance Settee

    Actually, I've just remembered that we added 'business use' to the car insurance so the Mrs. could drive up to the Manchester office and claim mileage (which was only done once) - barely added to the premium. Still doesn't have commuting on the policy and limited mileage (which we sail very close to), think this saved a couple of hundred quid. Just got a renewal quote through and it's gone down to under £600 now which is good.

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