Insurance commuting question

[Blanchimont]

I'm just looking at my insurance renewal and wondering about the social, domestic, please and commuting and got thinking.

As I'm home based, and have to go into the office once in a blue moon (like 3 times in the last year), I was wondering whether i'd need to add commuting to my insurance. I've read online some say yes, some say no.
My work contract states home based, but travel to office may be required as required.

Any insurance boffins in here who can give a definitive answer?

[carreauchompeur]

Not an insurance boffin, but yes, you’d definitely need commuting cover to a single place of work.

If you occasionally need to go to sites etc, business cover.

[TownIdiot]

It's definitely not social domestic and pleasure use.

Commuting is traveling to and from a place of work on a regular basis. Some people will try and argue about what regular means

Class 1 will cover you to travel between places of work in most circumstances.

[carreauchompeur]

Strangely however, some insurers are remarkably lenient on the subject of ‘commuting’. I dealt with a job a while back whereby a lad had driven to his workplace, then picked up a load of co workers to work at a different workplace. Crashing spectacularly on the way. Insurers classed this as commuting, amazingly.

[richhead]

Does adding commuting cost much more?

[alscar]

Personally I'd be putting that question to the Insurer and see what they say.
Going into work a couple of times a year isn't regular by most peoples definition but each Insurer may well have their own prescribed view.

[alpinab3]

Always add commenting. It's not worth the risk just in case.

[TownIdiot]

alpinab3 said:

Always add commenting. It's not worth the risk just in case.

Or class 1, in case your insurer chooses to be a pain in the arse.

[LooneyTunes]

Blanchimont said:

As I'm home based, and have to go into the office once in a blue moon (like 3 times in the last year), I was wondering whether i'd need to add commuting to my insurance. I've read online some say yes, some say no.
My work contract states home based, but travel to office may be required as required.

If you're home based, the office is a different site and not your usual place of work. Not really any different to if you worked in one office but had to occasionally visit a different one.

Just add 1000 miles of business cover (assuming this would cover it) and you're sorted. It'll probably cost virtually nothing.

[Alex Z]

Does adding commuting even make a difference to the cost of the policy?

I don't remember ever having a different quote, and even adding business use made about ten quid a year difference.