How does....

[Alex_225]

..an insurance company tell if you're driving your car at times when you're not meant too?

As in, they ask you if you're using your car socially or commuting to work? I mean for example, your car is insured for social only yet you choose to drive to work one particular day. Someone crashes into you and when you report it they ask you where you were going, you tell them to the shops.

How do they prove you weren't other than circumstances of the time. Let's face it they don't ask you the address of where you work. :?

 

[Matt]

That is a very good point, however if it were a major accident and the Police were involved, they could easily check stories with work colleagues (etc) and find out that you were lying. Risky...

How much does it affect insurance anyway? Only ever had social + commute.

 

[Alex_225]

Like you say Matt, it's only in the case of a big crash they're likely to probe further.

I'm sure an insurance company expecting to pay out for a £30k motor would be keen to find a way round paying out if you were commuting but it wasn't on your policy. Likelihood is that in an average crash or minor bump they're never going to find out though.

I had to claim off some idiot's insurance a few years back when he scuffed my Lupo quite badly. They did ask me where I'd been so I assume if someone goes 'Coming home from work' and it's not on their policy they'd then be likely to decline paying out.

I've not commuted by car for the last 6 years or so but I don't see how they can enforce it other than people telling them.

 

[Karl]

I supose if you was to crash and your in your work clothes then they will be able to tell you was on your way to work or on your way home.

 

[Alex_225]

Haha that's true, if they have to cut you out of the car in your Kwik-Fit boiler suit or Tesco shirt then that might be a clue.

Then again it'd have to be a pretty bad accident for them to find that out. Most of the time you'd phone them from home and tell them you've had an accident.

 

[Karl]

Haha that's true, if they have to cut you out of the car in your Kwik-Fit boiler suit or Tesco shirt then that might be a clue.

Then again it'd have to be a pretty bad accident for them to find that out. Most of the time you'd phone them from home and tell them you've had an accident.

Thing is you never know as theres so many idiots on the road these days.

 

[Matt]

Yeah that's the thing... It may save money but is it really worth the risk? You could be the safest driver in the world but it only takes one idiot to ruin everything.

 

[Alex_225]

Yeah absolutely true, like I say I don't commute in either of my cars. Just intrigued as to how they'd validate a claim should you choose too one day.

For example, if I had overtime to do on a Saturday and I chose to drive in rather than commute by train. Does that mean I'm not insured?

 

[Karl]

Yeah absolutely true, like I say I don't commute in either of my cars. Just intrigued as to how they'd validate a claim should you choose too one day.

For example, if I had overtime to do on a Saturday and I chose to drive in rather than commute by train. Does that mean I'm not insured?

Yup as your commuting to work

 

[Alex_225]

Yet I'm entitled to drive into central London for any other purpose! Load of old b*llocks isn't it really haha.

 

[Karl]

Yet I'm entitled to drive into central London for any other purpose! Load of old b*llocks isn't it really haha.

Pritty much :evil: