Classic insurance - No commutting!

Magown3

Hi,

New to classic insurance and have only called up one place for a quote but they said that I could NOT commute to my job in the car under their policy.

I don't see the point in this if you can't go to work every now and again when the weather is good.

Also, if your main car lets you down, are you getting the bus to work or getting into your classic!

Is this a thing?? Are there companies that will cover commuting?

Thanks in advance.

kdevitt

Yes its a thing. Yes, some companies cover commuting. Just phone around.

Isambard

in the case of an emergency following main car breakdown, just drive somewhere other than work, like the supermarket round the corner from work. Mind you, there will be a mileage limit on your policy , so you wont be able to do it too often

PsychoPete

I just use one of my classic policies for commuting and every day driving

Raichų

https://www.boards.ie/discussion/comment/123420250#Comment_123420250

I don’t think you could do it at all actually, if the insurer was to look a little more into a claim from the OP and found the accident happened on a work day around the time they go to work in the area where they work it’s not very difficult for them to call that commuting to work. Just not worth the risk of getting a policy voided over it.

w124man

Its more difficult these days to run over your allotted milage allowance since the insurance companies have access to everything now. Its like everything these days, if they are suspicious they will investigate and the bigger the loss to them, the harder they will investigate.

Thinkingaboutit

https://www.boards.ie/discussion/comment/123430155#Comment_123430155

I don't know how they work out the mileage I travelled. It isn't much nowadays, though. Thankfully my employment is nearby. Carole Nash don't have any issue with commuting. Obviously they don't normally cover driving it as part of employment, but that's the same for all motor insurances. You need a specific type of policy for that.

9935452

https://www.boards.ie/discussion/2058405568/classic-insurance-no-commutting

I'm with fbd for the classic policy.

No commuting and can't use the car when main car is in the garage

Ubbquittious

https://www.boards.ie/discussion/comment/123483789#Comment_123483789

How do they enforce that?

They come around to your house to see where your main car is parked? The conditions for these policies keep getting more and more obscure and far reaching. I never saw any mention of it on my FBD one but must check to make sure they're not sneaking one in

9935452

https://www.boards.ie/discussion/comment/123483843#Comment_123483843

No idea how they would enforce it.

They were 2 of the clauses I was told verbally when I got my policy last year

kdevitt

https://www.boards.ie/discussion/comment/123483843#Comment_123483843

Very few companies enforce any of the conditions in real terms - like mileage stipulations. But if you're not keeping within the terms of your policy, you've effectively voided your own policy and they're perfectly entitled not to pay out on a claim. Its up to individuals to decide if they're happy taking that risk.

TigerTim

How do they check the allowed mileage. I guess on my newer one it can be estimated from the NCT & possibly stored in the ECU. The older one no longer needs an NCT so not sure on that. I don't go over my allowed mileage anyway so no issue for me. They never look for mileage on renewal.

T.

kdevitt

https://www.boards.ie/discussion/comment/123490249#Comment_123490249

Generally, they ask you to write it on a form at renewal from my experience. You can write want you want, but its a legal declaration - so tell porkies and you've got problems at claim time. First Ireland were pretty consistent in asking for it iirc, Autoline asked once or twice and then gave up. Don't have any limitations on my classics now, so its one less minor thing to worry about. That said - one of the cars has done zero miles in 5 years, another zero miles in 2 years, and the last has done about 200 miles in 10 years :D

w124man

AXA asked me for mileage details last time around so I gave them a 3000 mile figure each which would cover them except for on which I lent to a friend and he did 4000 miles in it but it was on his insurance. Wonder how that will pan out if I'm ever asked

galwaytt

First: define 'commuting'.

Under a normal (non-classic) policy they're trying this stunt as well.

Imho, under 'use for social, domestic & pleasure', then 'commuting' falls under 'domestic' (use).

And no court is going to be able to say otherwise.

ELM327

Unless you sign any special conditions, the policy document shows (or does in my case for years) SDP use and use at shows. No mention of commuting. Now obviously you wouldnt commute every day in a classic but I liked to as a 'treat' the odd time

blingrhino

Will irish classic insurance companies cover a uk reg classic here or are the insistant on Re reg after a specific time lapse.

just looks better on english plates !

ELM327

https://www.boards.ie/discussion/comment/123735783#Comment_123735783

I've not had an issue on US reg car let alone UK one. That's both with Campion and with BP insurance broker.

conor2469

https://www.boards.ie/discussion/comment/123424035#Comment_123424035

How would the insurer know where you work, and your work sechedule? Beyond stating the field I work in I've never had to inform an insurer of where I work.

Bass Reeves

https://www.boards.ie/discussion/comment/123746695#Comment_123746695

IIt's fairly easy for them to find out after the fact ( an accident). They just hire a private investigator to check you out.

https://www.boards.ie/discussion/comment/123430155#Comment_123430155

Can someone drive a classic car under their own policy. Most car insurance companies have driving of other cars ( that you do not own). Could your partner use the classic car the days yours was unavailable and you use there's

conor2469

https://www.boards.ie/discussion/comment/123746743#Comment_123746743

Are insurance companies hiring private investigators to tail every person who gets into a car crash? Maybe thats why premiums are so high

Bass Reeves

https://www.boards.ie/discussion/comment/123748728#Comment_123748728

PI firms do not necessarily go around tailing individuals in a case like this they gather information, from Internet and other sources of the workplace and attendance of the individual involved. They may check if he uses his classic car to go to work regularly.

Generally they pay out on.most claims without checking such details. Where it gets sticky is where it's a major claim. A work colleague who used company vehicles where the company accepted significant excesses ( running to several thousand) was informed by his company that his insurance company requested his accident history ( which he had none) for company vehicles. This happened after an accident where he eventually was not liable but where the liability ran to over a million. How his insurance company was looking at a get out of gaol early on for not just the accident liability but the legal costs liability. If he has an unreported accident to the company they would have stranded him with defending the incident

9935452

https://www.boards.ie/discussion/comment/123746695#Comment_123746695

They might just ask you

elperello

https://www.boards.ie/discussion/comment/123753853#Comment_123753853

Could happen.

It's a two way street as well though.

Read the policy and ask questions if you have any doubts.

extra-ordinary_

I had to submit a photo of my mileage when taking out my policy.

conor2469

https://www.boards.ie/discussion/comment/123753853#Comment_123753853

Asked the exact location of my work and name of my employer when purchasing a policy? I've never been asked, nor have I ever heard of anyone being asked to provide that information.

9935452

https://www.boards.ie/discussion/comment/123754470#Comment_123754470

After the accident occurs

Thinkingaboutit

https://www.boards.ie/discussion/comment/123754215#Comment_123754215

That sounds harsh. My odometer doesn't work anyhow. It's a job I don't want to do or get done now. Carole Nash seem fine.