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Potentially Driving Uninsured - Are Most Of Us Doing It?
m1cksacc
post Fri, 13 May 2016 - 14:37
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Going back a few months now I was listening to local radio (BBC Sussex) and Steve Smart was on a feature saying how most people's insurance covers them for SDP and commuting. He also repeated the same information later on that day on LBC which I'm glad of because at first I thought I had misheard him.
He went on to say that lots of people are driving round unaware they're not covered if they were to take a child or partner to a place of employment as this was beyond the scope of the normal commuting section of the policy (most are defined as one place of work)

Is he right? To me dropping a child/spouse off at a part time job would be classed as domestic use of a vehicle and not commuting. What do you think?
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post Fri, 13 May 2016 - 14:37
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typefish
post Fri, 13 May 2016 - 14:53
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Given the shocking state of insurance in the UK I wouldn't be surprised if he was right. Taken to the extreme, would I need extended insurance for car sharing, etc?
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StuartBu
post Fri, 13 May 2016 - 15:07
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QUOTE (typefish @ Fri, 13 May 2016 - 14:53) *
Given the shocking state of insurance in the UK I wouldn't be surprised if he was right. Taken to the extreme, would I need extended insurance for car sharing, etc?

I thought car sharing was ok even with the driver getting a payment so long as the amount matched or was less than the costs to the driver but Im not sure if this was for insurance or tax purposes.
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freddy1
post Fri, 13 May 2016 - 15:07
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yes , because in effect its private hire , either by cash or services in Lou
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Castle
post Fri, 13 May 2016 - 15:14
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A statement from the ABI in November 2014 would suggest non profit car sharing is OK:-
https://www.abi.org.uk/Insurance-and-saving...g-and-insurance
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StuartBu
post Fri, 13 May 2016 - 15:21
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QUOTE (freddy1 @ Fri, 13 May 2016 - 15:07) *
yes , because in effect its private hire , either by cash or services in Lou

Who is this guy Lou?
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Jlc
post Fri, 13 May 2016 - 15:24
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QUOTE (m1cksacc @ Fri, 13 May 2016 - 15:37) *
What do you think?

Why not ask your insurer if you'd be covered? (Any increase in premium would likely be negligible for the potential hassle)


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Private Parking - remember, they just want your money and will say almost anything to get it.
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freddy1
post Fri, 13 May 2016 - 15:30
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QUOTE (StuartBu @ Fri, 13 May 2016 - 16:21) *
QUOTE (freddy1 @ Fri, 13 May 2016 - 15:07) *
yes , because in effect its private hire , either by cash or services in Lou

Who is this guy Lou?




no , its a place in Cornwall
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Gan
post Fri, 13 May 2016 - 15:46
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We've seen a few threads where OPs didn't realise that SDP does not include driving to work, not even driving to the railway station
I would have thought that driving another family member to work was "Domestic"

My personal view is that there should be a big red "Are you sure?" warning whenever a motorist attempts to buy SDP-only if any of the named drivers has declared an occupation


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m1cksacc
post Fri, 13 May 2016 - 16:22
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QUOTE (Jlc @ Fri, 13 May 2016 - 16:24) *
QUOTE (m1cksacc @ Fri, 13 May 2016 - 15:37) *
What do you think?

Why not ask your insurer if you'd be covered? (Any increase in premium would likely be negligible for the potential hassle)

Both myself and my wife are covered for business use so it doesn't affect me. It was just the wider implications for the many others who have just SDP and commuting. If this is true then theres a lot of people driving uninsured journeys without realising.
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Gan
post Fri, 13 May 2016 - 16:27
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The more common reason for driving uninsured is the widely held belief that comprehensive insurance cover automatically includes driving other vehicles
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Hellfire8
post Fri, 13 May 2016 - 16:29
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But surely not, If I drop my wife off I am not commuting to a place of my employment?
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typefish
post Fri, 13 May 2016 - 16:34
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QUOTE (Gan @ Fri, 13 May 2016 - 16:46) *
I would have thought that driving another family member to work was "Domestic"


It wasn't me delivering these pizzas for the takeaway around the corner, it was my wife who was sitting in the passenger seat!

(just an idea!)

This post has been edited by typefish: Fri, 13 May 2016 - 16:35
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m1cksacc
post Fri, 13 May 2016 - 17:19
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QUOTE (typefish @ Fri, 13 May 2016 - 17:34) *
QUOTE (Gan @ Fri, 13 May 2016 - 16:46) *
I would have thought that driving another family member to work was "Domestic"


It wasn't me delivering these pizzas for the takeaway around the corner, it was my wife who was sitting in the passenger seat!

(just an idea!)

I know what you're getting at but it would be irrelevnt in this case as that's using your car in connection with business, not dropping them off at a single place of work.
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dacouc
post Fri, 13 May 2016 - 18:47
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QUOTE (typefish @ Fri, 13 May 2016 - 17:34) *
QUOTE (Gan @ Fri, 13 May 2016 - 16:46) *
I would have thought that driving another family member to work was "Domestic"


It wasn't me delivering these pizzas for the takeaway around the corner, it was my wife who was sitting in the passenger seat!

(just an idea!)


It's a shame none of the posters who were delivering pizza (But weren't actually being paid for it) and were stopped by the police for driving without the correct insurance never update their threads.

I always wonder how the courts take their explanation
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southpaw82
post Fri, 13 May 2016 - 18:49
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QUOTE (dacouc @ Fri, 13 May 2016 - 19:47) *
I always wonder how the courts take their explanation

Presumably with a pinch of something salty... anchovy perhaps?


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glasgow_bhoy
post Sat, 14 May 2016 - 11:14
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I know you can never cover all possibilities, and your meant to know to delcare everything to insurers in this country, but many people don't really know this is the case.

I feel insurers, when taking out via the phone certainly (and perhaps via a prompt when buying online) should activly explain to customers/potential customers at the quote stage what each level of SDP/SDP+C/SDP+B actually allows them to do. It would take a matter of seconds, save so much confusion for many drivers (when I first took insurance at 17 I didn't have commuting but was driving to school... I know now that I should have had despite it not being a fricking place of employment) and would actually help them make a few extra quid in premiums.
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typefish
post Sat, 14 May 2016 - 11:26
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On Dad+I's latest car, he couldn't get commuting on his new car insurance because he's on long term sick, yet still legally employed by the company he's "working" for. Work that out.
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facade
post Sat, 14 May 2016 - 11:38
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In The Olden Days Domestic included going to work, as Domestic was everything relating to running a home*: shopping, kids to school, going to earn the money etc.
Social was going out drinking socialising, and pleasure was "going for a drive on a Sunday" (any other oldies remember that?)

Then they introduced SDP & commuting, then it became SDP & commuting to a regular place of employment.


What the hell is "Domestic" use now? is it just shopping?


*in line with what I understand the word "domestic" to mean.
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glasgow_bhoy
post Sat, 14 May 2016 - 11:43
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QUOTE (facade @ Sat, 14 May 2016 - 12:38) *
In The Olden Days Domestic included going to work, as Domestic was everything relating to running a home*: shopping, kids to school, going to earn the money etc.
Social was going out drinking socialising, and pleasure was "going for a drive on a Sunday" (any other oldies remember that?)

Then they introduced SDP & commuting, then it became SDP & commuting to a regular place of employment.


What the hell is "Domestic" use now? is it just shopping?


*in line with what I understand the word "domestic" to mean.

I'd take domestic now as being shopping, trips to the tip, driving the kids to football/school, restuarant/takeaway runs.
Social I'd take as cruising about, visiting family and friends, going to sports clubs etc.
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