Commuting and Car Insurance?

Just_Some_Guy

Using your car to travel even an inch towards work counts as commuting. Doesn't matter if you walk the rest of the way, or cycle, or catch the train, or sprout wings and fly, it's still commuting.

System

You are missing the point. The OP wants it to count as commuting. What he doesn't want is to find that it is business use but NOT commuting, because he is not actually taking the car to his place of work, but parking it somewhere else IN CONNECTION WITH WORK.

olly300

Clifford_Pope wrote: »

You are missing the point. The OP wants it to count as commuting. What he doesn't want is to find that it is business use but NOT commuting, because he is not actually taking the car to his place of work, but parking it somewhere else IN CONNECTION WITH WORK.

If the OP has business use on the car than she shouldn't worry as the car is covered in the station.

If you have business use on the car as well as SD&P then car insurers don't ask where the car is kept during the day as they know you could be leaving the car anywhere in connection with work.

olly300

Clifford_Pope wrote: »

If parking at the railway station is not commuting then it must be social domestic and pleasure? In what way is leaving your car in a car park perhaps 40 miles away from work "business use" ?
Supposing you drove a couple of miles and left your car at a friend's house, who gave you a lift to work - would that be business use? Would it even be commuting?
Supposing your wife dropped you at the station, and then came home, or went on to do shopping. Would that be business use?

Confused.com gives definitions of commuting and business use but the precise definitions depend on the insurer.

In all your examples you gave if the place of work is your regular office location then it's commuting but if it's another site then it's business use.

So if you park your car at the train station but instead of going to the office you go to another place for an all day meeting about 20 minute walk away you need business use.

If you have business use on your car insurers don't tend to ask where your car is regularly parked* and as it's no additional cost for most drivers when they renew their policy they may as well have it if there is even a slim chance they may need it.

Some policies do ask you to put in the number of business miles per year but all the various insurers I've been with and all the companies I've put quotes in for have never asked.

Then again I tend to avoid the insurers that people on here complain about loudly.

*They will if you have an accident.