It's not uncommon. Commuting raises the risk and therefore is a worse bargain for the insurers; they may therefore reasonably want a higher premium. You'll probably find they'll offer commuting cover for a small additional cost.

I've just taken out a policy with SAGA and scrolled through the T and Cs; and under the term Use;

Use for social, domestic and pleasure (SDP), excluding commuting...
This means that the vehicle cannot be used:
* to travel to and from work. [/I]

I will be contacting them as soon as possible to challenge this, and if necessary cancel the policy.

Has anyone had such an exclusion in their insurance policy?

Yes.... my ensure policy has the same exclusion.

But....on the flipside why should I pay for the risks associated with commuting when I am retired?

it's a normal exclusion if you don't ask for it - it reduces premiums.

Your proposal will probably have declared that the car is ONLY used for Social, Domestic & Pleasure - you should have ticked one of the other boxes.

If you mount a challenge, I fear you're on a hiding to nothing - you may have cancellation rights within 14 days, paying just for the days covered - they may agree to amend the policy but expect an increase in premium.

You always have to look at the terms and conditions, the main points are usually highlighted by putting them first, and the detail is in the policy, I personally hate insurance companies and have lost 18 mths no claims because of their stupid rules, or terms and conditions as they call them.

But to answer your question, yes you are correct you are not covered to commute to work, it does exactly what is sais on the tin, the only option they will give you is to cancel the policy and open a new one, which will cost, you must make sure it sais social, domestic and commuting to work even if you are not currently working. unless of course you are of an age where you are retired and never intend to go back to work, ever.

My story,

I do agency driving work, and as such may do diff shifts depending on the assignment I am offered, sometimes its nights, afternoons or days, now I would not in my earlier years have said anything but I dont know if its a sign of me getting older but I do keep them informed of change of work patterns, which I did.

Asda 5 star insurance

The work place had a 12 foot fence all around it, a gate of the same height as the fence, a heavy duty chain and secured with a hevy duty expensive padlock, with limited key holders as in single figures, and oh covered by CCTV, as well as drivers coming in and out at no specific intervals.

My home, street parking, where anyone has access to the outside of the car.

Asda gave me 24 hours to get new insurance because they said the policy only covered me if it was parked outside my house at night time.

Wise driving.

Those lovely people cancelled my insurance without telling me at all, they had my mobile number for texting and calling, my email and my address, but made no effort to contact me, at all.

They asked for the V5, I told them I was waiting for it to come back from DVSA and would forward as soon as I got it back, I had just changed my address, I only found out because I went online to check my driving score and noticed there was no data and the expiry date of the policy was this year. Oh and only after I got th epolicy despite me telling them I worked nights for now, did they inform me that my driving score would be reduced if I finished work before 0500 hrs, my suspicious mid makes me think they didnt like to insure someone who got a 95 score, but thats prob just my suspicious mind, prob ?

The point really is that they made no effort to contact me, as I said to them I would have driven the V5 to there office or gone to the post office and faxed it over, if they did not like the ideas of sending it as an email attachment.

Both companies are underwritten by The Close Brothers.

I am now with debenhams.

Edited by 30 yr's a Professional Driver on 01/05/2017 at 18:05