Cosmetic car insurance - cant claim due to using for work!

[Deleted User]

Hmm, yes its in the T+Cs "no car covered if used for business use or as part of your employment". So MY FAULT.

But, surely, by that definition, a LOT of people who might have class 1 business insurance because they might drive to a different office in work ONCE a year are totally uncovered.

I'm more annoyed that I actually spoke to a broker (rather than online about this) and remember having a discussion about what my wife did for a living.

£270 and I can never ever claim. YES my fault but seems a bit unfair.

Especially when people can claim thousands for PPI when that was in the t+cs yet I get sold a policy, tell the broker, he doesnt mention it for whatever reason and I dont read the t+Cs!

Aylesbury_Duck

[quote=[Deleted User];discussion/6089849]Hmm, yes its in the T+Cs "no car covered if used for business use or as part of your employment". So MY FAULT.

But, surely, by that definition, a LOT of people who might have class 1 business insurance because they might drive to a different office in work ONCE a year are totally uncovered.

I'm more annoyed that I actually spoke to a broker (rather than online about this) and remember having a discussion about what my wife did for a living.

£270 and I can never ever claim. YES my fault but seems a bit unfair.

Especially when people can claim thousands for PPI when that was in the t+cs yet I get sold a policy, tell the broker, he doesnt mention it for whatever reason and I dont read the t+Cs![/QUOTE]
Possibly, but then if they actually read and understand what levels of cover are on offer and which is the most suitable for their situation (including any reasonably anticipated eventualities), they'd select the right level of cover and not plump for the cheapest.

m0bov

Does that include commuting?!

sevenhills

[quote=[Deleted User];discussion/6089849] But, surely, by that definition, a LOT of people who might have class 1 business insurance because they might drive to a different office in work ONCE a year are totally uncovered.[/QUOTE]


Do you mean it should have been insured for commuting or bussiness insurance?


https://www.theguardian.com/money/2011/nov/12/commuting-excluded-car-insurance

[Deleted User]

Aylesbury_Duck wrote: »

Possibly, but then if they actually read and understand what levels of cover are on offer and which is the most suitable for their situation (including any reasonably anticipated eventualities), they'd select the right level of cover and not plump for the cheapest.

Thanks for that. I never said that it wasn't my fault for not reading the t+cs properly.

As I said, why didn't PPI claimants read the t+cs?

BoGoF

Yes, many people are using their car for 'business' but oblivious they are not covered.

It only becomes an issue when involved in an accident.

BoGoF

Why are you banging on about PPI?

ChrisK....._3

Domestic insure will cover your commute to from work, even if that's in a different office. Your only need business insurance to use it for business purposes, delivering, etc

[quote=[Deleted User];discussion/6089849]Hmm, yes its in the T+Cs "no car covered if used for business use or as part of your employment". So MY FAULT.

But, surely, by that definition, a LOT of people who might have class 1 business insurance because they might drive to a different office in work ONCE a year are totally uncovered.

I'm more annoyed that I actually spoke to a broker (rather than online about this) and remember having a discussion about what my wife did for a living.

£270 and I can never ever claim. YES my fault but seems a bit unfair.

Especially when people can claim thousands for PPI when that was in the t+cs yet I get sold a policy, tell the broker, he doesnt mention it for whatever reason and I dont read the t+Cs![/QUOTE]

Shaun_of_the_Dead

ChrisK..... wrote: »

Domestic insure will cover your commute to from work, even if that's in a different office. Your only need business insurance to use it for business purposes, delivering, etc

That's not correct, if you drive to work at office A, drive to office B during that day then go home. You'd need business insurance.

born_again

[quote=[Deleted User];discussion/6089849]
I'm more annoyed that I actually spoke to a broker (rather than online about this) and remember having a discussion about what my wife did for a living.

£270 and I can never ever claim. YES my fault but seems a bit unfair.
[/QUOTE]

So take it up with the broker for miss-advice/selling (which is what PPI was about. NOT T/C)

For £270 it would be better not to claim.. Would lead to far for costs in the coming years for a claim.

Car_54

ChrisK..... wrote: »

Domestic insure will cover your commute to from work, even if that's in a different office. Your only need business insurance to use it for business purposes, delivering, etc

Some insurers include commuting on a SDP policy, many don't. It would be very dangerous to assume you're covered.


See https://www.confused.com/car-insurance/guides/car-insurance-classes-of-use