Insurance query - does a student need commuter on policy?

[map]

Just a quick query as the lad is sorting out insurance for his 125 that'll also be used for trips to and from college (until the snow starts obviously).

Now I always thought commuting was to and from a place of work. College isn't a place of work as such. So does he need just Social, Domestic and Pleasure SDP or the Social, Domestic, Pleasure and Commuting SDPC option?

Thanks in anticipation, MAP
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[anthony_r6]

Doesn't it say something like 'Example : commuting from a place of work and back' ? Implying that there are other things classed as commuting? I'd say it qualifies as commuting though, as it's essentially travelling to and from a location frequently.
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Ted : "Maybe he's agoraphobic."
Dougal : "Jack scared of fighting? I don't think so, Ted."

[Poseidon]

Under "Employment type" he would come under full time education, under "occupation" he would come under full-time student. That would suggest to me that they class education as a type of work. Also, there are some very loose definitions of commute out there that state "travel to and from a place of work or education"
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1977 Honda CG125
2002 Ducati Monster S4 (currently restoring)

[map]

[snikks]

I'm a student, although my situation may be slightly different as I'm on an industrial placement for the period of my doctorate - but when I rang the insurance company they said that essentially the difference between commuting and non-commuting is that it'll be ridden most every day, and at times of day when there are more people on the road, and almost anything that falls broadly into that category counts as "commuting" in their eyes. I would imagine that applies for most insurance companies, as I can't see them turning down a chance to charge you more, or try to get out of paying if you have an accident and don't have commuter cover.
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- CBT: 02/01/11 Theory: 26/04/11 Mod 1: 19/05/11 Mod 2: 19/08/11
- 2007 Honda XL125V Varadero (Sold), 1999 Yamaha FZS600 Fazer (Sold), 2001 CBR600F

[sprite]

I was considering adding my boyfriend to my insurance and the insurer in question told me that going to/from uni (so maybe college could be difference but doubtful) would count as commuting. As said it's regarding how often it'll be used really.

His insurance covers him to ride any bike anyway with third party cover so on the odd occasion he might need it, I decided against it as he added loads to my heavily reduced policy

[ThoughtContro...]

If in doubt refer to the policy booklet/pdf for the definition of "commuting".
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Prize cunt
--
"In a world of universal deceit telling the truth is a revolutionary act" - George Orwell

[Charlie]

I'd ring up and ask
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Past: Honda x8rs, Honda City fly, Honda Hornet 250, Honda VFR750, Yamaha xt600e.
Current: Honda CBR929RR & Yamaha XT660Z Tenere

[herulach]

my policy says social domestic, pleasure & commuting to a single place of work or study. At least it did till I got B1 added.
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YBR 125>FZS600

[Teflon-Mike]

If he's classed as a full time student, then yes.

And it's BEST to make sure you get it. It WILL put the premuim up, and as like by 30% or so, but that's becouse the risk increases quite significantly to the insurer.

First regular journey, usually or often in 'peak' traffic significantly increases risk of accident, therfore claim.

Second; sat in a bike shed or other openly accessible area, regularly, it is an easy 'target' for theft, and less secure and likely to be using less security than parked normally at home.

If you don't tick the box, you run at risk of the 'error' bing picked up on in the event of a claim, and like all such insurance errors there days more likely to be queried as a get out, and more likely to come back and give you big bill.

Insurance is a lot more competative these days, and with biking becoming a lot more 'leisure' orientated; they dont presume you will use a bike as regular every day transport.

When I was a student twenty years ago, they didn't even ask what mileage you were likely to do. Av annual miles on a bike then was about half that of a car,m about 6K,, these days its more like 3K. Getting quites for my O/H on a 125, asked her anticipated mileage, when we said about 6K, the insurers were surprised and told us "Well, 3000 is fairly high, these days, are you sure?"

Many people DONT use bikes to get to work or college, they ONLY use them to potter about for practice for tests, or on Sunny weekends after, and THAT is now the 'norm' that an insurance company will 'presume' and argue is a 'reasonable' assumption in court if it ever came to it....

So yes, tick the + Commuting box!

And over estimate anticipated mileage!

And tick box for pillion cover.

IF you want o make a change to a policy after inception, they will often charge you £30 just to process the change, and if they can 'add' anything to the premium while they are at it, they will... So get as much 'bagged' on the policy at the beginning as you can, without hiking premium TOO much!
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Current Bikes:'Honda VF1000F' ;'CB750F2N' ;'CB125TD ( 6 3 of em!)'; 'Montesa Cota 248'. Learner FAQ's:= 'U want to Ride a Motorbike! Where Do U start?'

[ms51ves3]

[GREENI3]

When I said I was a student on my insurance quote, it wouldn't let me add commuting, even though I used my bike to ride to work on saturdays, so just left it that.

Ring them up to find out their definition of 'a place of work' if you want to know for sure.

It probably is classed as commuting, as you're travelling to the same place every day, studying (similar to work), but not getting paid for it.
So you're best off adding commuting, so the insurance company won't have any reason to not pay out in the event of a claim.

[blurredman]

To be honest, how would they know you often visited college on your bike? For all they know it could have been an odd day that you went there and had an accident??
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CBT: 12/06/10, Theory: 22/09/10, Module 1: 09/11/10, Module 2: 19/01/11
Past: 1991 Honda CG125BR-J, 1992 (1980) Honda XL125S, 1996 Kawasaki GPZ500S, 1979 MZ TS150.
Current: 1973 MZ ES250/2 - 18k, 1979 Suzuki TS185ER - 10k, 1981 Honda CX500B - 91k, 1987 MZ ETZ250 (295cc) - 40k, 1989 MZ ETZ251 - 51k.

[Minty]

Mongs originate from Mongolia. You'll fit right in.
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[Rogerborg]

[TheBikerStig]

If your 3rd party only then dont bother adding commuting. The way I see it is that you wont benefit even if they do decide to pay out. They would have to pay out to 3rd parties anyway AFAIK. Insurance is the biggest scam going. You give em money and most likely get sod all back. If you claim successfully then you will end up paying them back in the long run via increased premiums. The only reason I have TPFT is because its cheaper than TPO, apparently people with TPO are riskier drivers.
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[lihp]

[Rogerborg]

[suzukiGN125]

I don't mean to steal the thread but it is related;
I attend a residential college, and want to take my bike up, as im staying there I wont be using it to get to college every day just to go to mcdonalds and what not. so no commuting on mine??

[Rogerborg]

Hmm, good question. I'll go out on a limb and say... no idea.

Cost it up. If it's another £5 or so, I'd get it, just to avoid any hassle if you have a smash on the trip there or back.
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Biking is 1/20th as dangerous as horse riding.
GONE: HN125-8, LF-250B, GPz 305, GPZ 500S, Burgman 400 // RIDING: F650GS (800 twin), Royal Enfield Bullet Electra 500 AVL, Ninja 250R because racebike

[lihp]

[Nobby the Bastard]

[Minty]

Ste for dog
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My fingers smell of your mum.

[Ste]

Wacist.

[MCN]

VictoriaHilton. You in-grown hard-on.
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Disclaimer: The comments above may be predicted text and not necessarily the opinion of MCN.