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Bazza 907

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Posts posted by Bazza 907

  6. Commuting according to insurer

    in Lotus Insurance

    Posted

    14 minutes ago, mdw said:

    To be fair it doesn't cost that much more just to go full business use. Then there's no wriggle out.

    @mdw Costs even less to just include commuting..

    2 hours ago, Dan E said:

    So @Bazza 907 genuine question, I have just dropped my wife off to the station, on her way to work, in her car which is SD&P she never uses it to go to the station but due to my car having a flat tyre I used hers, so what's the situation there?

    @Dan E You were using her car for "Domestic i.e. D in SDP" purposes as you/the car was not being used for commuting yourself. If she had been driving then clearly it would have been commuting.

    2 hours ago, Dan E said:

    Also say she decided, that on her Friday off, to use the car to meet friends in london but drove to the station! Its a minefield really isn't it 

    If she's not going to the office to meet her friends (i.e. she meets them in a pub) then she's not going to her permanent place of work so she's not commuting. If she goes to meet them in the office, before going to the pub, then I agree it's more of a grey area but I think she's not commuting as she is using the car for Pleasure (the P in SDP).

     

    With all these things it's best to check with your insurer if in any doubt

     

    • Like 1

  7. Commuting according to insurer

    in Lotus Insurance

    Posted

    4 minutes ago, pete said:

    The point here Barry is that insurers are very precise in their wording and the Hastings wording wasn't 

    Sorry Pete but the Hastings wording is clear/precise and if it wasn't clear to her she could/should have asked 

    She was travelling from her one permanent place of work. Her travelling included a rail journey and a car journey.

    She needed SDP and Commuting cover but got a cheaper premium because she decided not to include commuting cover

     

    • Like 1
    • Shock 1

  8. Commuting according to insurer

    in Lotus Insurance

    Posted

    She got a lower insurance premium because she said she didn't do any commuting. She had an accident whilst commuting and claims it's all unfair that the insurance company won't pay.

    If the insurer did pay out on occasions like this we'd all end up paying higher insurance premiums. Mine's high enough already..   

  11. White Esprit S1 spotted

    in Spotted

    Posted

    About 10.15 today in Sunningdale. Registration number looked like ?306 PPW. Feels like I should know who it is.

    I did give a massive thumbs up but as I was driving a fiesta in the opposite direction it might have gone unnoticed.

    Looked absolutely epic 

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    Bob: the bullet that finally got me

    in General Chat

    Posted

    Now might be the opportune time to say that whist it might be hard to get a GP appointment, if you are over 50, PLEASE go and get at PSA (Prostate) check. You may think you have no symptoms (like me) so why bother, but I saw a thread on LEC that prompted me to get checked. I found I was at Stage 3 but luckily had managed to catch it just before it started spreading.

    Do yourself a favour and get yourself checked - it's a simple blood test. 

    • Like 1
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