Limitations

Emmersonn

I was checking my insurance cert today and came across the following under section 3 "Limitations as to use" Use for social, Domestic and pleasure purposes only.This policy does not cover use to and from any place of business or study, use for any trade, business or profession, or use for any connection with the motor tradeor use for hire or reward, racing, pacemaking special testing" .......and then the usual rallies and competition and Nurburgring . :eek:

Just wondering about the use for travel for study or work purposes or even a bit of shopping (a place of business) or even to fill up with petrol or travelling to have it serviced (motor trade)
Insurers this year Axa Last year Zenith. Brokers Principal

Pkiernan

Emmersonn wrote: »

I was checking my insurance cert today and came across the following under section 3 "Limitations as to use" Use for social, Domestic and pleasure purposes only.This policy does not cover use to and from any place of business or study, use for any trade, business or profession, or use for any connection with the motor tradeor use for hire or reward, racing, pacemaking special testing" .......and then the usual rallies and competition and Nurburgring . :eek:

Just wondering about the use for travel for study or work purposes or even a bit of shopping (a place of business) or even to fill up with petrol or travelling to have it serviced (motor trade)

Does that mean you can't commute to work under this policy?

AlekSmart

Pkiernan wrote: »

Does that mean you can't commute to work under this policy?

Taken literally,as it WILL be in the event of a significant claim,it would seem so.

However,this insiduous tampering with long unaltered T's & C's,now appears to have caught on across the Irish Insurance Industry.

The real issue however,remains the level of Awards which continue to made in the Irish Courts,in comparison to other Juristictions.

The belated recognition amongst Politicians,of a somewhat too cosy Market segmentation arrangement across the Irish Insurance providers is a step in the right direction...what happens next is anybodys guess

https://www.independent.ie/business/personal-finance/revealed-irish-profits-for-insurer-twice-what-was-planned-38284217.html

The three insurers represent 50pc of the market.

However,I would suggest that rather than focusing on an across the board lowering of premia,that the authorities look a lot closer at the side-bar issues such as "Arrangement Fees", "Broker Fees",and above all...."Administration Charges" which can nowadays almost constitute a premium in themselves.

Fann Linn

Emmersonn wrote: »

I was checking my insurance cert today and came across the following under section 3 "Limitations as to use" Use for social, Domestic and pleasure purposes only.This policy does not cover use to and from any place of business or study, use for any trade, business or profession, or use for any connection with the motor tradeor use for hire or reward, racing, pacemaking special testing" .......and then the usual rallies and competition and Nurburgring . :eek:

Just wondering about the use for travel for study or work purposes or even a bit of shopping (a place of business) or even to fill up with petrol or travelling to have it serviced (motor trade)
Insurers this year Axa Last year Zenith. Brokers Principal

Why would you take a policy like that unless you're just going to keep your bike in the garden?

galwaytt

"A place of business" is what it says, which I'd read as part of commercial use.

That said there is no fear of you being found to not have cover on foot of riding to work. Commuting is part of 'domestic' use, and there isn't a hope a judge would find otherwise.

Under Irish law, once a certificate of insurance is issued, your are covered and the company must honour it.

The only recourse an insurance company has is a civil suit to recover monies afterwards, (but they would fail over the 'domestic' clause above.

Either way prosecution for no insurance is not possible.

Wonda-Boy

Anytime I was ever getting a quote for insurance I was asked would I be using the bike for "commuting" if you answer no, on your head be it if indeed you are using it as your main source of transport to and from work.

galwaytt

Wonda-Boy wrote: »

Anytime I was ever getting a quote for insurance I was asked would I be using the bike for "commuting" if you answer no, on your head be it if indeed you are using it as your main source of transport to and from work.

Whilst I'd always advocate you say 'yes' to that question, I would say that on the odd sunny day /busses are onstrike/car is fubar etc you take the bike, that being occasional would still fall under SD&P.

I think any insurance company that excludes routine commuting from ordinary SD&P would want to be cutting premiums dramatically, not using 'commuting' to add them.

rock22

I think it is a standard clause in all Carole Nash /Agneas policies

Ago1960

Just had a look at my policy and the wording seems to be identical. Must be standard wording on motorcycle policies. Mine is direct with AXa

blade1

It seems to vary from company to company.
I've seen some say you need Class 1 for commuting.

Bunch of snakes the lot of them anyway.

D3V!L

How would they know you were going to work should you have an accident ? They've no way of proving you weren't off that day.

IJS84

I always ensure that commuting is mentioned on the policy documents. We all hear of the story of an insurer denying a claim and, we pay enough for it in the 1st place and we if we had an accident we want the insurance to actually work as we expect