Insurance _ its a mess in this country

Considering that travelling to multiple sites during the day is considering working hours, and all other health and saftey laws apply, then if you are travelling to different sites as part of your work then you'll need commercial insurance. We can't have our cake, paid travel to sites, and eat it, non commercial insurance when using your vehicle for work.

Commuting is going to work, so if you go to work on your bike you've commuted to work by bike.

If you are using your bike as part of your work you'll need commercial insurance, for a car it'd be class 1 I assume it's the same for bikes.

...but that's just it. going to your job is part of social, DOMESTIC and pleasure use.

this is just another way for insurance companies to squeeze money out of people, and the CPCC or Insurance Ireland should be proactive on stopping this type of thing.

It is that simple. If you are travelling from your home to anything other than your main work location it is not commuting.

I don't think its unreasonable to expect commuting cover to cover travelling to your work wherever that might be as distinct from driving as a central part of your work (bike courier, food delivery etc.) who should have commercial insurance. Being required to nominate a main place of work and then notify them of any trips to other locations your employer requires you to work from is excessive and should be rejected.

The obvious comparison is car insurance where commuting is pretty much automatically included in the terms of a social, domestic and pleasure policy and I have never encountered an insurer who required me to specify where you commute to and if that varies. It's an unreasonable reach for bike insurers to impose it on motorcyclists.

If you have different bases then you aren't commuting you are travelling for work, it's in the link I provided. If your employed by a company at location A then all travel to that is commuting, if they tell you you need to be a location B for the next few weeks that's travelling for work, if you are back to location A then you are back to commuting. If you have to go to location A in the morning you've commuted to work, if they tell you to then go to location B it's work. This is an unintended consequence of people fighting for recognition that travelling for work was work, what it's done has messed up insurance now.

The issue with bikes is that a lot more bikes are toys and only used rarely, so if you never use your bike for commuting why would you pay an increased premium for it? You don't nominate your work location, if you work in one place all the time it's not an issue once you have commuting cover. The issue is when you have to travel as part of your work and the law was changed in the last few years to consider that working time, so you need appropriate insurance driving for work, usually class 1.

The law is the same for car drivers, commuting is standard but if they are travelling for work they need class 1 insurance. It's up to the person taking out the policy to ensure they have the correct cover not the insurance companies, you could argue that motorbike insurance companies are actually looking after their customers by doing this as if you are involved in an RTC having the wrong cover is a major issue.