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

tir21

notanewuser wrote: »

Any chance of a consistent story, OP?

just trying to simplify things because what you do when you get to your job wouldnt seem to have any relevance with regards to your commute to get there

but i should have said be based there all day rather than be there all day

apologies

notanewuser

tir21 wrote: »

just trying to simplify things because what you do when you get to your job wouldnt seem to have any relevance with regards to your commute to get there

I, and most insurers would disagree with you. That's why professional drivers, bar workers and doctors are high risk occupations.

tir21

notanewuser wrote: »

I, and most insurers would disagree with you. That's why professional drivers, bar workers and doctors are high risk occupations.

but that risk is covered in the section relating to the job. the fact i have to commute to different locations on different days would seem to have little bearing on risk.

in fact being asked by ones employer to commute to a secondary location could even lower risk profile if new location was a lot nearer to home

if insurance companies were serious about risk involved in commuting they would not be bothered about the locations you commute to but rather the total distance involved

tir21

rs65 wrote: »

Can I suggest you read the title you gave this thread?

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

Do you honestly think that constitutes commuting?

pretty much. i think its closer to being commuting than business travel

i dont think being requested by your company to go to one off site training day per year would lead someone to think they need business travel cover

If so, I bow out of this thread. Plenty of people have tried to help but you seem to have made this a problem in your head.

most of the people i work with have the same misconception so maybe its something in the water round here

but even if travelling to a training day or meeting is not commutting then i remain convinced that travelling to three locations on a regular basis to do ones job- is commuting

on that i agree with my employer and hmr&c

Filip

tir21 wrote: »

pretty much. i think its closer to being commuting than business travel

i dont think being requested by your company to go to one off site training day per year would lead someone to think they need business travel cover



most of the people i work with have the same misconception so maybe its something in the water round here

but even if travelling to a training day or meeting is not commutting then i remain convinced that travelling to three locations on a regular basis to do ones job- is commuting

on that i agree with my employer and hmr&c

Ignorance, and that's what it is on your part, is no excuse. It's also not down to you what constitutes commuting and what doesn't. You're opinion is irrelevant when it comes to selecting the correct cover, it's down to the insurer. Like rs65, I'm bowing out of this one, its getting beyond ridiculous. I hope you just get over it, accept it and buy the correct cover. Good luck

tir21

Filip wrote: »

Ignorance, and that's what it is on your part, is no excuse.

i think most people are ignorant with regards to the finer intricacies of car insurance. the whole commuting or business issue seems designed to confuse and mislead rather than be easily understood and self explanetory

It's also not down to you what constitutes commuting and what doesn't.

but if commuting means one thing then it really shouldnt be down to me to realise insurance companies are interpreting it as meaning something else

i agree that insurance companies can define words as meaning whatever they want them to mean, but wouldnt it be simpler to use words to mean what the rest of society takes them to mean?

You're opinion is irrelevant when it comes to selecting the correct cover, it's down to the insurer. Like rs65, I'm bowing out of this one, its getting beyond ridiculous. I hope you just get over it, accept it and buy the correct cover. Good luck

thanks

tir21

olly300 wrote: »

Phone up your insurer and ask them.

Anyway it doesn't cost anything to add this on if you are over 25, so like other people I conclude you are just trolling to make this a long thread.

no not a troll, just responding to posts

and as i said earlier its adding about £40 to the cheapest quote. in fact i had a good quote from echoice but when i specifed i commute to three regular work locations, the quote did not just go up - they refused to offer any cover at any price

ok you could just say go somewhere else but what if id only realised halfway through the policy that i was not in fact commuting to work?

forgotmyname

He phoned the insurance and they want money. They dont want to pay so will continue the journeys when not properly covered.

They read beween the lines.

Buy one get one free.. Can i have my free one please.. It clearly says get one free. Forget the rest of the sentence. I dont want to read that bit.

Puts a link to the confused.com website and still wont read the whole paragraph where it says travelling to other places is not covered. A single place of work only.

Not single for that day / week / month.

dacouch

forgotmyname wrote: »

Puts a link to the confused.com website and still wont read the whole paragraph where it says travelling to other places is not covered. A single place of work only.

It's worth reading a few of the confused.com authors insurance articles. His insurance experience amounts to six months in tele sales for Admiral.

The articles are incredibly simplified, a few of the verge into being misleading by virtue of not explaining fully so the advice could be miss interpreted.

The articles are basically for to get people to read and then prompt them to go for a quote through confused and also for SEO purposes.