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

tir21

when did this single place of work proviso come in, because last year when i was renewing i only ever remember being aware of the term sdp&c

if i am now in fact using my car for business use when i commute to work, should they pay me a mileage allowance because i think i know what they will say if i ask

tir21

from confused.com website

social and commuting – This category of usage allows you to use your vehicle as above but also to travel to and from work. You may not however, use your car in connection with your work. A trip to a client or another office, for example, wouldn’t be covered.

this would not suggest that someone who does not commute to the same location every day needs business class insurance

Business class one – There are three categories of business class usage. The first will cover the policy holder only (and sometimes the spouse so check with your insurer) to use their vehicle in the ways outlined above, but also in connection with their work. It excludes using the vehicle for commercial purposes, for example making deliveries or selling.

if i was using my vehicle in connection with my work, then i would need to use my car during work hours and so would not be able to take the bus to work. however i can take the bus to work if i choose (my employer is not bothered how i get there) so again i dont see how this applies

rather than insist on this single place proviso - why not just simplify matters and accept commuting is commuting irrespective of whether or not you always commute to the same place

god knows life is complicated enough

forgotmyname

I have just done a confused quote just for you...

Are you reading between the lines again?

Social and Commuting also covers your commute to a permanent place of work.

" A " permanent place of work not places. Or plural of anything other than a single address.

Your only just aware because you have not read the terms and conditions of your policy before. That probably applies to a lot of people me included, But i do ask the important questions. I hope.

tir21

forgotmyname wrote: »

I have just done a confused quote just for you...

Are you reading between the lines again?



" A " permanent place of work not places. Or plural of anything other than a single address.

Your only just aware because you have not read the terms and conditions of your policy before. That probably applies to a lot of people me included, But i do ask the important questions. I hope.

http://www.confused.com/car-insurance/articles/driving-to-work-dont-leave-yourself-underinsured

vaio

vaio wrote: »

Nah, you don't need to notify change of job, you would need to notify a change of occupation.........

Quentin wrote: »

You do have to notify a change of 'job". You know that!

(you don't need to notify a change of "employer".)

Suppose that depends on definitions, my view.....

My occupation is an engineer, if I change jobs and go to work for a different employer then I don't need to notify, if I change occupations & become say a juggler then I do need to notify.

Having said that, I suppose a change of job could be a change of occupation and/or a change of employer

Employers business is asked about and so presumably of interest to insurers as well

forgotmyname

tir21 wrote: »

http://www.confused.com/car-insurance/articles/driving-to-work-dont-leave-yourself-underinsured

See... Your own link proves your wrong also..

You may not however, use your car in connection with your work. A trip to a client or another office, for example, wouldn’t be covered.

Your NOT covered... Seems clear enough to me and when you actually do a quote it says ONE place of work.

How can you say thats confusing?

vaio

I'm less sure....

I think it's common ground that if I travel to my office and then go on to a site or another office then I do need business cover.

Similarly, I think it's also common ground that if my employer transfers me to a different office for 6 months then I don't need business cover.

From here it becomes a matter of degree, transferred for three months? three weeks? three days? one day?

tir21

forgotmyname wrote: »

See... Your own link proves your wrong also..





Your NOT covered... Seems clear enough to me and when you actually do a quote it says ONE place of work.

How can you say thats confusing?

no the link proves that the issue is open to interpretation

"Social and commuting – This category of usage allows you to use your vehicle as above but also to travel to and from work."

"business class 1 - The first will cover the policy holder only (and sometimes the spouse so check with your insurer) to use their vehicle in the ways outlined above, but also in connection with their work"

note the phrase "in connection with their work" rather than getting to and from work.

if someone works 50% of the time at location A and 50% of the time at loaction B - which journey is commuting and which is in connection with their work?

if one of these journeys is in connection with their work - why not the other ?

its totally arbitrary to have to pick one of these journeys as commuting but not the other. Surely you can see that?

Seems clear enough to me and when you actually do a quote it says ONE place of work.

no - it says "commute to one place of work" - not that i must only have one place of work. That is where the ambiguity arises

each day i go to work - i commute to one place of work. I know this to be the case because when i get to my place of work i dont have to commute anywhere else


Anyway i spoke to my employer about it today and they say that as far as they are concerned i am not on company business when i travel to the secondary location i sometimes work at. They insist that what ever location i travel to - i am commuting - and that i should insure myself for SDP&C

Filip

tir21 wrote: »

no the link proves that the issue is open to interpretation

"Social and commuting – This category of usage allows you to use your vehicle as above but also to travel to and from work."

"business class 1 - The first will cover the policy holder only (and sometimes the spouse so check with your insurer) to use their vehicle in the ways outlined above, but also in connection with their work"

note the phrase "in connection with their work" rather than getting to and from work.

if someone works 50% of the time at location A and 50% of the time at loaction B - which journey is commuting and which is in connection with their work?

if one of these journeys is in connection with their work - why not the other ?

its totally arbitrary to have to pick one of these journeys as commuting but not the other. Surely you can see that?





no - it says "commute to one place of work" - not that i must only have one place of work. That is where the ambiguity arises

each day i go to work - i commute to one place of work. I know this to be the case because when i get to my place of work i dont have to commute anywhere else


Anyway i spoke to my employer about it today and they say that as far as they are concerned i am not on company business when i travel to the secondary location i sometimes work at. They insist that what ever location i travel to - i am commuting - and that i should insure myself for SDP&C

Well they're wrong. I hope they are so helpful if and when you're claim is refused because you have not insured yourself for the correct use. Some people just cannot be helped.

dacouch

Topical thread...

http://forums.moneysavingexpert.com/forumdisplay.php?f=22