Business use

tomduncan

I took out car insurance with Admiral. As I don't use my car for business, I didn't opt for business use in the policy options.

I was quite surprised when the policy turned up, it excluded business use and driving to my normal place of work.

As far as I know, "business use" is a fairly well understood concept in car insurance and doesn't affect driving to your normal place of work.

Can they redefine this term in such an unreasonable way? It seems pretty damning that they feel the need to clarify this on the document, but not at the point of sale.

I am fortunate that I don't drive to work (I live close by), but for many people this exclusion would make the policy useless. They would be forced to increase the cover (and cost, no doubt) plus paying a hefty admin fee for the policy change.

iamana1ias

tomduncan wrote: »

I took out car insurance with Admiral. As I don't use my car for business, I didn't opt for business use in the policy options.

I was quite surprised when the policy turned up, it excluded business use and driving to my normal place of work.

As far as I know, "business use" is a fairly well understood concept in car insurance and doesn't affect driving to your normal place of work.

Can they redefine this term in such an unreasonable way? It seems pretty damning that they feel the need to clarify this on the document, but not at the point of sale.

I am fortunate that I don't drive to work (I live close by), but for many people this exclusion would make the policy useless. They would be forced to increase the cover (and cost, no doubt) plus paying a hefty admin fee for the policy change.

You are confused.

There is social and domestic cover

There is social, domestic and commuting cover (to 1 fixed place of work)

There is then business cover which covers different types of business use.

You'd need the commuting bit to be able to drive to work.


Did you buy online? If so all of the definitions are available before you purchase.

tomduncan

I'm not confused.

There was only one option, to opt for business use or not. Commuting cover was not an option. I've never been offered this option on any insurance policy I've ever had over the past 25 years, it has just been included by default.

Since when did turning down business cover imply that you don't want to use your car to drive to work?

There is surely a point at which redifining common terms becomes downright misleading, even if there is something buried in the T&Cs somewhere to cover it?

dacouch

I've just done a test quote on the Admiral site and it defaults to "Leisure" use which excludes commuting, if you want commuting and / or business use you have to tick boxes to opt in.

What will you use this car for? [URL="javascript:void(window.open('http://www.admiral.com/qe3/help/usage.phtml', 'Help', 'width=420, height=400,scrollbars'))"][/URL] Please tick all that apply Leisure
Commuting
Business for policyholder only
Business for all

tomduncan

Thats interesting. Was it a single car quote or multi car?

Mine was multicar, and the choice was a single checkbox for business use, I am pretty sure.

As I recall, this was on a page which showed both sets of car details side by side. Perhaps they redesigned the application form for multicar and something got left off?

Unfortunately the site blocks you from accessing your application form after you have taken the insurance, so short of inventing another set of details it is impossible for me to check.

dacouch

I did a single car quote

dacouch

I've just tried a Multi car quote and it does the same eg defaults to leisure with commuting and business as opt in options via ticking a box.

Did they email you the quote through

tomduncan

I didn't get a quote by email.

Quite odd, either I am going mad or there was a bug on the site which got fixed.

olly300

tomduncan wrote: »

I didn't get a quote by email.

Quite odd, either I am going mad or there was a bug on the site which got fixed.

If you have the quote number go back and confirm you put your email address in correctly.

Then check your spam folder.

Failing that there is a fault on their website and you need to contact them and inform them that the email didn't come through stating that you have done the steps above.

Quote

You've insured with Admiral?

Oh dear.

Let's hope you don't drive one car into the other one...