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

rs65

sdp+c doesn't match your situation therefore you need to go up to the next class.

Only other option is to get insurers to creat a new class of sdp+c plus going to one meeting.

Or, get the bus.

tir21

rs65 wrote: »

sdp+c doesn't match your situation therefore you need to go up to the next class.

the next class does not match my situation as ive previously explained

Only other option is to get insurers to creat a new class of sdp+c plus going to one meeting.

or just have a bit of leeway and recognise going to one meeting at a different location does not really make you a business user of your vehicle

Or, get the bus.

god id rather pay class 3 than that

notanewuser

tir21 wrote: »

or just have a bit of leeway and recognise going to one meeting at a different location does not really make you a business user of your vehicle

By definition, it does. Commuting to work is your responsibility. If your employer requires you to attend a meeting/meetings at other sites (or as you said elsewhere, at a hotel) then you are travelling for business, not to your place of business. It really isn't a complicated concept! Millions of people and their insurers have been managing this for years!

tir21

notanewuser wrote: »

By definition, it does. Commuting to work is your responsibility. If your employer requires you to attend a meeting/meetings at other sites (or as you said elsewhere, at a hotel) then you are travelling for business, not to your place of business. It really isn't a complicated concept! Millions of people and their insurers have been managing this for years!

i bet millions are driving uninsured to meetings that they are required to go to away from work once in a blue moon.

my girlfriend told me last night she has to go to an away day training thing next week and she had no idea she will be uninsured if she goes

she is not an unintelligent person. i think insurance companies should make it clearer that there are no exceptions with regards to commuting. when you click on sdp&c a box should appear that says just one training day away from normal place of work could invalidate policy

its an easy thing to overlook.

if there is no leeway or common sense then most policies maybe invalid. could it be that insurers are not bithered that such an oversight could be easily made

i mean when it says where is vehicle parked overnight. does that mean the person buying the policy is promising neve to go on holiday and park the vehicle on a car park at their holiday destination.

has it got to such a ridiculous stage where you have to phone insurer up every time you stop over at a friends house to tell them your car wont be parked on your driveway tonight?

isnt it the case that when you say where the car will be parked over night you are indicating where it will normally be parked most days of the year but that you can never promise it wont be parked at say a hospital if a loved one is suddenly rushed to a and e

in the same way no one can ever categorically promise that their employer might not ask them go to a training away day when they sign up for sdp&c

tir21

would it be an option for someone to have just one day of business use on their policy if theyhave one away day training session per year

should insurance be adaptable enough to take into account such a rare occurance without meaning someone has to change from sdp&c because of one day

or if an employer suddely after many years requires employees to go to one away day training session shouldnt it be obliged to cover you on their insurance or pay for any increase in employees policy

i just got a quote with echoice and when i changed to business commuting because of my job i was inelligable for them to insure me. so what would have happened if when i took out the insurance i did not know my employer would later in the year require me to go to a meeting at some other place?

would they have cancelled my insurance half way through?

redux

tir21 wrote: »

would it be an option for someone to have just one day of business use on their policy if theyhave one away day training session per year

should insurance be adaptable enough to take into account such a rare occurance without meaning someone has to change from sdp&c because of one day

I think this would probably cost you more in admin fees than just adding it for the whole year

On my insurance adding use in connection with the business of the insured or that of his or her employer added £8 per year a couple of years ago, and strangely on a quote I did recently adding it would save £4.

Quentin

tir21 wrote:

i just got a quote with echoice and when i changed to business commuting because of my job i was inelligable for them to insure me. so what would have happened if when i took out the insurance i did not know my employer would later in the year require me to go to a meeting at some other place?

would they have cancelled my insurance half way through?

Whenever you want to make any changes to the policy mid term there is always a chance the company won't accept the change. In which case you have no alternative but to cancel and start a new policy.

tir21

Quentin wrote: »

Whenever you want to make any changes to the policy mid term there is always a chance the company won't accept the change. In which case you have no alternative but to cancel and start a new policy.

would they charge a cancellation fee. would they ge half the premium back if you were cancelling after say six months

Quentin

Cancelling mid term is always expensive. Some companies might do a goodwill gesture over the cancellation fee, but it's you changing the goalposts, not them.

For your problem just get business use from the outset and save yourself the cost and the hassle.

forgotmyname

Half the premium back. Unlikely. Seems they dont say 365 days / premium - x days used = your refund. Its usually biased in their favour.

Then the cancellation charge upto £75. Then no refund for legal protection etc..

The refund could be a LOT less. Sometimes you still owe them money.