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Insurance commuting cover - should I be happy with this?
TonyS
post Tue, 16 Jul 2019 - 10:31
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Hi,

I've come across an odd one with our car insurance. It will just be covered for the two of us to drive, myself as policy holder and the missus as named driver. We need to have commuting cover for both of us, and business for myself. In the proposal under the named driver details it just has the one relevant question "Will this driver use the car for social, domestic, pleasure and commuting purposes only?", to which I answered Yes. To me that says that commuting should be covered.

However the certificate does not state this, it just says "Use for Social Domestic and Pleasure purposes and use by the Policyholder in person FOR his/her business OR employment, excluding COMMERCIAL travelling."

Worried about this I phoned the insurer (broker really) who assured me that she is in fact covered for commuting, and that any police checks would confirm this. They are supposed to be sending a letter to this effect, but cannot alter the certificate wording.

Should I be concerned?

Thanks, Tony S
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post Tue, 16 Jul 2019 - 10:31
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post Fri, 16 Aug 2019 - 09:40
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Remarkable but not surprising.
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