Car insurance whilst at work

Taoski

My employer has recently downsized their car-park and if no spaces are available, we have to park on the road in an industrial estate.

Not a problem - I don't mind a short walk to the office, but someone has mentioned that if your vehicle was damaged whilst parked on the road, opposed to in the car park on the employers property, that this might have an effect on your cover/claim?

Guest101

Taoski wrote: »

My employer has recently downsized their car-park and if no spaces are available, we have to park on the road in an industrial estate.

Not a problem - I don't mind a short walk to the office, but someone has mentioned that if your vehicle was damaged whilst parked on the road, opposed to in the car park on the employers property, that this might have an effect on your cover/claim?

Depends what you told the insurers

Ozzuk

Assuming you have commuting on your policy, aren't using the car for work purposes during the day, and haven't told your insurers that it is in a secure car park during the day then I can't see why there would be any issue. It will all be in your policy documents though.

TELLIT01

I've never been asked on an insurance policy to state where the car is parked during the working day. Some do ask where it's parked overnight. Many people don't have parking at work and have to park on the road.

Ozzuk

TELLIT01 wrote: »

I've never been asked on an insurance policy to state where the car is parked during the working day. Some do ask where it's parked overnight. Many people don't have parking at work and have to park on the road.

I'm asked every time with admiral. It's not likely to cause an issue anyway as you can't guarantee parking in the same place. Maybe I was getting a slightly lower premium by stating it's in a secure car park for majority of the day.

TELLIT01

Interesting Ozzuk. I'd love to know what would happen if somebody had said they do have parking at work and then had an incident on a day when they didn't. For example, we had a problem with the power where I worked and about 20 spaces were taken out literally overnight for a massive generator to be installed. Those people had to find on-street parking.

Guest101

TELLIT01 wrote: »

Interesting Ozzuk. I'd love to know what would happen if somebody had said they do have parking at work and then had an incident on a day when they didn't. For example, we had a problem with the power where I worked and about 20 spaces were taken out literally overnight for a massive generator to be installed. Those people had to find on-street parking.

The word is 'usually'.

Madbags

Our policy with LV states:

"Use for social, domestic and pleasure purposes including commuting to a single place of work, provided no business visits are made on the way"


Doesn't mention anywhere about where the car should be parked when at my place of work.


To be honest I commute to two places of work as I have to drop my partner off first and pick her up again!

Guest101

Madbags wrote: »

Our policy with LV states:

"Use for social, domestic and pleasure purposes including commuting to a single place of work, provided no business visits are made on the way"


Doesn't mention anywhere about where the car should be parked when at my place of work.


To be honest I commute to two places of work as I have to drop my partner off first and pick her up again!

You aren't commuting then.

TyreLever

Guest101 wrote: »

You aren't commuting then.

If it isnt commuting then is it classed as "f'ing about in a motor vehicle?" IMO driving is driving, regardless of when or where. Unless your carrying dangerous goods or via other unusual driving activity then mileage should be the only thing that matters. I know insurances by their pedantic nature do not see white as white or black as black. Its all too easy to fall foul of some benign idiotic wording in a policy. Grips my schitt.

Madbags

Guest101 wrote: »

You aren't commuting then.

I still have to drive to my own place of work after dropping her off. So yes, I am commuting.