Car accident

Aretnap

Clive_Woody said:

Sandtree said:

Direct Line's definition of commuting is:

Commuting is driving to and from a permanent place of work, for either part of the journey, or for the whole journey. This includes driving to and from a car park, railway station or bus stop as part of your journey to and from a permanent place of work.

They key part is that it doesnt have to be a singular continuous journey for it to be considered commuting, it doesnt even have to be all by car. She was driving from work to home but stopped to do some errands on the way... I unfortunately would agree with your insurers that she was ultimately part of her commute. 

SDP, SDPC and Business Class 1 tend all to be virtually the identical price with most insurers unless you are a very high risk driver already and so not including at least commuting was probably false economy even without considering the pickle you are in now given the time, effort and often admin fee to make the mid term adjustment to add commuting. 

Who was at fault for the bump? What did she bump into?

Long shot maybe, but if she WFH most of the time would this not be classed as her permanent place of work rather than an occasional trip into an office? Would she then need business travel cover....?

It doesn't really matter in this case as the policy doesn't cover "everything except commuting", it covers "social, domestic and pleasure use only". 

So the question is not whether it was commuting, but rather whether it was 

(a) social
(b) domestic
(c) pleasure or
(d) something else. 

If the answer is (d) then it doesn't really matter whether it falls under the definition of commuting or business use - it's not covered whatever it is. 

Sandtree

Clive_Woody said:

Sandtree said:

Direct Line's definition of commuting is:

Commuting is driving to and from a permanent place of work, for either part of the journey, or for the whole journey. This includes driving to and from a car park, railway station or bus stop as part of your journey to and from a permanent place of work.

They key part is that it doesnt have to be a singular continuous journey for it to be considered commuting, it doesnt even have to be all by car. She was driving from work to home but stopped to do some errands on the way... I unfortunately would agree with your insurers that she was ultimately part of her commute. 

SDP, SDPC and Business Class 1 tend all to be virtually the identical price with most insurers unless you are a very high risk driver already and so not including at least commuting was probably false economy even without considering the pickle you are in now given the time, effort and often admin fee to make the mid term adjustment to add commuting. 

Who was at fault for the bump? What did she bump into?

Long shot maybe, but if she WFH most of the time would this not be classed as her permanent place of work rather than an occasional trip into an office? Would she then need business travel cover....?

Yes and use builds up so SD&P -> SDP&C -> SDPC&B

Stating its another class of use that she still doesnt have wouldnt be that long of a shot but leaves it in the same position... not covered for the use at the time of the accident.

To the OP - if you dont deal with the TP directly you are likely to get letters from your insurer remind you (and possibly asking your written confirmation) that as you were in breach of the terms of the policy any monies that they legally have to pay to the third party they will have a legal right to recover from you. These things tend to be fairly sternly worded so just a heads up.

jj061216

Ok, had an email today confirming that they would not process the claim and I had to sign and let them deal with the 3rd party claim, possibly charging back to myself via a ccj, I’ve not signed yet and have been speaking to the CAB, they were very useful so will go with the email and complaints procedure first, it’s worth exhausting all avenues, 

my wife’s place of work is home and only now was it after Covid that she has been into the office, she has now been told the office is moving and will be working from home until January. How bad is that. 

jj061216

The CAB said argue that point, as it was over 50% wfh