As part of a recent car purchase there's free insurance for a year.
My wife (principal driver) and myself are both described as "retired". However, there's a possibility that I might take some part-time work outside home if it became available. Or, I might have to travel in a self-employed capacity.
For some reason the policy specifically excludes "travelling to work". I've talked to the insurance co. telephone representative and, according to her, I should contact the company if this happens.
This seems a very awkward way to meet our requirements. Does anyone know what's going on here? After all, the retired are encouraged to be economically active.
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Not an expert in this area but my guess is that they put this exclusion on because you told them you were retired and hence no longer working. I suspect it's a way of demonstrating to their head of underwiting that they are limiting their exposure where possible. If you had told them you worked the exclusion would most likely not be there.
I would contact them and ask for the exclusion to be removed. After all most who took advantage of that free insurance deal will be driving to work, so they can't all have that exclusion on there.
If you don't get any joy with the first person you speak to ask to speak to their underwriting debt. The person who answeres the phone will be specifically mechanised to answer questions to the benefit of the company, not you.
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Myself and SWMBO had to add full business use to both of our cars last week, an upgrade from SDP use. Cynical me was expecting a huge hike in the premium, what a shock I got when we were told the only charge would be for ammending the certificates!!!!! Hope you have as much luck.
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Phone them and ask.
I used to have non-business use for the bikes (commuted via car)and the policies said 'excluding business and commuting'. When the summer came round, I thought I might as well commute on bike and phoned the insurers up - no charge at all for changing to 'business use and commuting, excluding courier use'.
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Phone them and ask as Martin said. It depends on the specific policy.
Generally I would expect you to be ok, although I wouldn't change your insurer in the next year or two.
BTW, 11 years accident record is not relevant. Nobody counts past 6 and very few count past 5.
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As you may have worke dout, that's the answere to another question - i.e. the one about NCD protection. Sorry.
The answer to yours will follow in a moment...
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BTW, 11 years accident record is not relevant. Nobody counts >> past 6 and very few count past 5
>>
nobody counts past 6 ??
only if you ignore esure, who count upto 20 years.
www.esure.com/es_car.htm
" no claim discount years" - form allows max of " 20 years "
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Thee free insurances are done to a very tight formula and requesting change is difficult. You could liken it to complaining about the colour and the free gift which came with your Happy Meal. Its not that other colours aren't possible, just that they aren't geared to deal with it.
The first surprising thing is that it excludes commuting. Unless it is an offer aimed specifically at the non-working purchaser then that seems a little strange. Have you actually read the policy and seen this for yourself, or has someone told you about it ?
If the deal is aimed at the non-working, then you may have an issue and I would recommend checking this out before concluding that the policy is suitable.
Insofar as contacting the company to have this changed, then that is likely to be correct. However, I would at least be asking for some confirmation that if you do ask for this change, then they will grant it.
The fact that the retired are encouraged to be active is a good thing, but your insurance company will not care one way or a another and it is unlikely to have featured in their thinking when developing this offer with the car seller.
If you are intending any other changes then I would check that as well. These offers tend to remain a good idea just so long as nothign changes whatsoever.
Should you be in this position again I would recommend that you refused the insuracne and bought the car from someone who would give you a discount equal to a years insurance premium.
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