Insurance

[Saltire]

On GoCompare looking up the deals and it asks what I use the bike for. In truth it will be for commuting and day to day use, but if I select Social only and get in an accident en route to work how is anyone going to know I was commuting?

Even at that people could be using the bike as much socially as people that commute so whats the difference and is there any major repercussions for understating your use of the bike?

Just a minor technicality to get an extra few bob out us?

Ta

[i.p.phrealy]

Most commuting done during rush hour = more risk?
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it is impossible to lick your own elbow...
and if you just tried you need professional help.
Finally allowed a big bike 19/03/14!

[DJP]

To be honest, I've never found commuting to add much to the price.
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Suzuki Bandit 1250
https://deejayp999.atwebpages.com/index.html
That's http not https

[clancy]

[Saltire]

Still, enlighten me if wrong but there's a bit of a grey area there as I was saying I could work shifts that don't involve traveling through rush hour and instead be socially riding through rush hour.

Clicking 'commute' would be the same as me clicking 'charge me more please' unnecessarily atm unless there is something I'm not considering.

Edit: In response to Clancy my old work there used to have a well secure gated area for staff parking, would take bank heist tactics to get in to steal something. I don't think I spotted a section to choose where the bike would be stored while at work.

[i.p.phrealy]

Aye, but they ask your occupation, they might not pay out if, let's say, work in a warehouse and the bike gets nicked from outside a warehouse...
____________________
it is impossible to lick your own elbow...
and if you just tried you need professional help.
Finally allowed a big bike 19/03/14!

[clancy]

[Saltire]

Yeah that's what I am saying, quotes should be based on circumstance... I am not sure if this is already an option but at the very least you should be able to get a base quote online and then take that quote with a reference to their customer services and include some other unasked important factors, like for example my former secure bike parking while at work.

A wee bit pedantic of me I know, but wrongly so?

Been quoted £8 a month with Bennetts so shouldn't really complain.

[clancy]

What you moaning at then
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KLX 300r

[Saltire]

[SQL]

Going to the shops guv

[Rogerborg]

[Saltire]

I wasn't thanks. Time to go try again

Edit: Actually, you sure?

https://i59.tinypic.com/34nsln5.jpg

[-Matt-]

I've been temped to dismiss this as well in the past - but have tended to be honest even if its only occasional commuting, to reduce the chance of having problems if I have to claim in dubious conditions. I was always concerned that if they really wanted to push for it after an accident, they could request from an employer your work hours if they suspected you of supplying inaccurate information? [If anyone can verify if thats possible it would be very interesting ]

Going from previous quotes i've had, I think its not so much about whether you 'commute' in what they predict will be rush hour traffic etc, but more what you put down as your job. For example; years back when I was working as a nursing assistant, many nursing assistants would presumed to travel from house-to-house throughout the day i.e higher risk of accident [even though I had a single place of work]. Putting my job title AND the fact I commuted raised my quote price a fair bit. Removing commuting made it less, but even after removing the fact I was commuting on the bike having my job listed as 'nursing assistant' made the quote higher than when I listed it as 'retail' to see if there was a difference.

[i.p.phrealy]

I do agree it is a scam.
you pay extra to add work commute.
but if you're unemployed, and therefore don't have a work commute, you pay more for your insurance anyway!
____________________
it is impossible to lick your own elbow...
and if you just tried you need professional help.
Finally allowed a big bike 19/03/14!

[j.silvs]

When they were being anal in London loads of people were bring pulled and biked seized for no insurance doing commuting as it wasn't on their policy.

They will only know if you tell them. I always add it but never goes up in my premiums?!

Side Note: £90 insurance? lucky bastard