Insurance detail

sevenhills

I dont drive to work, as my vehicle is parked at home; maybe once or twice per yer I may need to drive to work.
Am I ok with insurance that does not include commuting?


I have a drive that can just fit two cars on, both myself and my daughter have filled in insurance details saying that our cars are parked on the drive. My car mostly is, my daughter is a new driver and rarely parks on the drive; she often stays at friends.


If I got being a 'handyman' included on my insurance, would I be covered if I was delivering parcels?


Just curious

forgotmyname

How is a handyman anywhere close to being a courier?

If you commute you need to add it, does it cost anything extra? Makes no difference to mine.

wgl2014

All three questions basically ask if it's alright to tell your insurance stuff that clearly isn't correct.

You will not be covered for commuting be it once or one hundred times.

Your daughter's car is not usually parked on a drive.

You would need to have business use as a courier.

As with all these things it makes no odds until you try to make a claim or get stopped by Police..... then you will wish you had been more accurate.

Mercdriver

wgl2014 wrote: »

All three questions basically ask if it's alright to tell your insurance stuff that clearly isn't correct.

You will not be covered for commuting be it once or one hundred times.

Your daughter's car is not usually parked on a drive.

You would need to have business use as a courier.

As with all these things it makes no odds until you try to make a claim or get stopped by Police..... then you will wish you had been more accurate.

Only if using that vehicle for couriering things - if commuting and using another vehicle only commuting would be required.

sevenhills

forgotmyname wrote: »

How is a handyman anywhere close to being a courier?

So if your are insured for bussiness perposes and then you get a job outside of that, delivering parcels at Christmas ect, you would need to ring up for cover?
I did notice that on all insurance documents it mentions not being insured for private hire, but nothing else.

sevenhills

So if your are insured for bussiness perposes and then you get a job outside of that, I applied for a job working for the council at the election period ect, you would need to ring up for cover?

sevenhills

wgl2014 wrote: »

You will not be covered for commuting be it once or one hundred times.

The dictionary definition of commuting says 'regular basis', so I guess the odd journey would be ok.


commutekəˈmjuːt/
verb
gerund or present participle: commuting
1.
travel some distance between one's home and place of work on a regular basis.
"he commuted from Corby to Kentish Town"
synonyms:travel to and from work, travel to and fro, travel back and forth, come and go, shuttle "they commute on a stuffy overcrowded train"

Herzlos

You'd need to check with your insurer as you may have different ideas of occasionally. And they've no way if that time you have an accident is the 1 day a year you drive in or the 259th. Commuting doesn't usually add much.

Handyman is nothing like courier.

Where does your daughters car spend most of it's time?

dacouch

sevenhills wrote: »

The dictionary definition of commuting says 'regular basis', so I guess the odd journey would be ok.


commutekəˈmjuːt/
verb
gerund or present participle: commuting
1.
travel some distance between one's home and place of work on a regular basis.
"he commuted from Corby to Kentish Town"
synonyms:travel to and from work, travel to and fro, travel back and forth, come and go, shuttle "they commute on a stuffy overcrowded train"

That argument would not work at the side of the road with a traffic officer.

They always ask you where you are going and will note if you are wearing a work uniform. If your policy does not show as including commuting cover they will call your Insurers who will confirm you are not covered.

The police will then go down the route of a fixed penalty for no insurance and possibly seize your car.

A magistrates court will not accept your definition of commuting either.

The chances of you ringing up your current Insurer and Christmas and simply adding on use as a courier are vanishingly small. It's a very specialised and expensive cover that the standard market very rarely touch

hollie.weimeraner

sevenhills wrote: »

I dont drive to work, as my vehicle is parked at home; maybe once or twice per yer I may need to drive to work.
Am I ok with insurance that does not include commuting?


I have a drive that can just fit two cars on, both myself and my daughter have filled in insurance details saying that our cars are parked on the drive. My car mostly is, my daughter is a new driver and rarely parks on the drive; she often stays at friends.


If I got being a 'handyman' included on my insurance, would I be covered if I was delivering parcels?


Just curious

I would imagine different insurers may apply different rules. Prior to taking out insurance, if anyone has any doubt as to the level of cover it's best to contact that particular company and clarify the issues.

wgl2014

Mercdriver wrote: »

Only if using that vehicle for couriering things - if commuting and using another vehicle only commuting would be required.

Correct however that's not how I read the OP in which it was asked if having 'handyman' as an occupation would cover delivering parcels.