sdp&c but then going to a meeting after work at another location

tir21

started on another thread but this might be more appropriate forum

i've been surprised to hear the opinion expressed that if you have sdp&c then you may not be covered if you work at one location most of the time but on occasion have to commute to a different part of the business

to my mind it would still be commuting if you were based at that other work place for the whole of the working day

i checked with an insurance ciompany and they said:


"SD+P withcommuting is one place of work in your day, the journey there and back, if youare going to more than 1 place of work in a day, you will need to havepersonnal business use.

If it is oneplace one day, then another place the next day, you will be covered on SD+Pwith Commuting"

but not sure this is industry standard. it seems a real grey area

however she said i would not be covered if i went to work as normal then had to attend a meeting after work at say a hotel conferance room. It appears if there were just one such meeting a year i would need business cover. This seems mad. How many people are going to be aware of this?

wouldnt it be incumbent on the employer to make sure you had the right insurance if they required employees to go to a meeting somewhere else?

only people who had the day off and not already gone to work would be free to go to the meeting without altering their insurance policy

does anyone else find this situation mad and liable to give insurance companies a bad name ?

forgotmyname

But your not commuting to the single place of work that you told the insurer.

Same reason why they ask if you have a part time job.

Its not a grey area, Its plain and simple one jobe one place of work. Unless you have told them you commute to different locations then you could find your not covered.

Quentin

You need to select the correct cover for your needs.

Your concern is probably unfounded, as there is usually little (if any) difference for adding business cover. The main cost would be seen if you were to want to change your level of cover mid term, when although the premium might remain the same, or show a small increase, there would usually be an admin charge to pay.

The "advice" you have had from your insurer is suspect - you need to get back in touch over this and ask them to confirm (in writing) that your commuting cover means you can visit different sites.

Telephone advice from insurers like this is dangerous, as if you want to rely on it in the future we hear too many instances when customers are told that there is no record of the call, and that sorry, you were driving without cover (when you want to make a claim after taking the "advice" on trust!)

dacouch

https://forums.moneysavingexpert.com/discussion/4557385

tir21

forgotmyname wrote: »

But your not commuting to the single place of work that you told the insurer.

i would be commuting to a single place of work. if i work at location A on monday tuesday and location B on wednesday thursday friday, then i have a job where i commute to a single place of work. every days work would involve commuting to a single place

Its not a grey area, Its plain and simple one jobe one place of work. Unless you have told them you commute to different locations then you could find your not covered.

it is a grey area- the language is ambiguous. to be unambiguous it would need to say

commute to the same place of work

Saints2011

Its class 1 business use what you do simple as that.

This will cover the vehicle in connection with your job, such as driving to different sites away from your place of work. It may also cover a spouse for the business use, but not another named driver – so be sure to check the insurer’s wording. It will exclude commercial use (such as delivery of light goods) and selling (such as door-to-door). All other drivers on the policy get social, domestic, pleasure and commuting use as shown above.


Read more: http://www.confused.com/car-insurance/articles/what-are-the-car-insurance-classes-of-use#ixzz2Qx7Jdmpg

tir21

Saints2011 wrote: »

Its class 1 business use what you do simple as that.

i dont need to use my car for business use - i just need it to commute to my place of work each day

This will cover the vehicle in connection with your job, such as driving to different sites away from your place of work.

once i get to my place of work i dont need to drive to any different site. each day i go to work i drive to my place of work for that day

from that link you supplied:

Provides cover as above for social, domestic and pleasure, and also cover to drive back and forth to a permanent place of work.

when i go to location A on monday and tuesday - that is a permanent place of work - since i permantly work there on mondays and tuesdays. when i go to location B on wed thur fri - that is also a permanent place of work - since i permanently work there on wednesdays thursdays and fridays

…And if the vehicle is being used in connection with work beyond simply commuting, then the insured will require a level of business cover

i dont use the vehicle for work beyond commuting so could not honestly admit to requiring business cover

forgotmyname

Social, Domestic, Pleasure & Commuting (SDPC)
This is as above but also includes commuting to and from your single permanent place of work.

A single place.. Not a single place each day or on certain days. 1 address..

tir21

forgotmyname wrote: »

Social, Domestic, Pleasure & Commuting (SDPC)
This is as above but also includes commuting to and from your single permanent place of work.

A single place.. Not a single place each day or on certain days. 1 address..

but each time a person commutes in the example i have given with location A and B, then they commute to a single permanent place of work

if they commuted to location A at 9am and location B at 11am then they would not have commuted to a single permanent place of work

it would not be permanent because they would not have worked at the same place all day

but if they do work at the same place all day after commuting that is both a single and permanent place at which they have worked

think of it like this. If someone says they go on holiday each february to a single permanent ski resort, is there anything in that sentence that indicates that they go to the same ski resort each february. I think you will agree the answer is no

So without further clarification the phrase "commuting to a single permant place of work" is ambiguous

notanewuser

tir21 wrote: »

but each time a person commutes in the example i have given with location A and B, then they commute to a single permanent place of work

if they commuted to location A at 9am and location B at 11am then they would not have commuted to a single permanent place of work

it would not be permanent because they would not have worked at the same place all day

No, you're wrong, plain and simple.

It's 1 address, 1 postcode, 1 building. If you go anywhere else to work, whether normal or not, you need class 1 business use.

Why are you finding this so hard to comprehend?

Quentin

Your argument is pointless.

Get your insurer to confirm in writing that you are covered if you aren't happy with everyone here. (But don't rely on what they told you on the phone!)