Comfort Insurance & Commuting

[Kingham]

I've just emailed Comfort with this query, but due to the weekend, I'm not expecting a reply until next week and will probably get the answer quicker on here

I'm due to renew my Auto-Sleeper insurance next month, but anticipating a possible change in personal circumstances by the summer, which may see me needing to use the van occasionally, to commute to and from an office.

My current policy only covers me for Social, Domestic & Pleasure use, however there is a list of specific exclusions in my policy booklet, which does not mention or exclude commuting. I won't be happy commuting unless such cover is specifically included in the wording.

Does anyone currently have 'commuting' cover with Comfort as I have a feeling they may not provide it.

Thanks.

 

[mike mcglynn]

Hi,Ken I really think it is a question that can only be truly answered by Comfort as each policy is tailored to your individual circumstance

 

[flatpackchicken]

I am with comfort and actually states on my policy not for commuting

 

[Deleted member 29692]

Good luck getting any kind of sensible answer from either Comfort or Aviva.

If you’re unfortunate enough to have to speak to Aviva you’ll spend the first 98 hours trying to get the numpty on the other end to grasp the concept of what a “motorhome” is.

 

[meanders]

We did have while I was still working. I told them why I wanted it, i.e. Occasionally calling on a key supplier while en-route from Cornwall to home, meeting a client for a meeting at motorway services etc. and they added the cover in. It's probably three years ago and I think it cost an extra £30 or thereabouts. It wasn't documented as 'commuting', rather using the vehicle for business use. I found that speaking to them was easy, whereas I'd sent a couple of emails and recieved unhelpful replies!

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[Stroppy Bird]

I have it on mine.

Under limitations of use it says
- use for social domestic pleasure
- use by the policyholder in connection with their business

I think it needs to be specified on your certificate.

When I originally took out a policy with comfort business use came as standard. Then I moved to a different insurer and when I came back to comfort they had changed it to no longer being standard and I had to ask for it to be included.

 

[bigtwin]

You’ll need to be clear if it is ‘commuting’ or whether it’s ‘business use’.

Based on what you’ve written in your post ‘commute to and from AN office’, this looks as though it’d be business use.

If you’d written “to and from MY/OUR office’, it’d be commuting.

Business use will cost more than commuting.

Ian

 

[Lenny HB]

My mate had it included on his Comfort policy, no charge but was a couple of years ago.

 

[DanielFord]

Our Comfort policy has commuting included as standard, never asked for it, and frankly it would amusing to try to get our van into the narrow road where my office is!

 

[Vanman]

You could always try adding / removing it from one of the comparison websites eg GoCompare

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[Xabia]

I have just renewed my policy with Comfort and the usage definition on the Certificate of Insurance is “Social domestic and pleasure purposes” so commuting is definitely excluded.

Contrary to a comment above I have always found talking to staff at Comfort is easy and they are very helpful. Certainly don’t contact Avila as they will not be in a position to help, the policy is arranged by Comfort who have all the details of your policy.

 

[Kingham]

Comfort replied by email this morning with the usual efficiency I've grown accustomed to from them.

Quote "If you are in employment, you automatically get Business Class 1/Class A use on your policy".

It goes on to explain that this class is the most common and will normally cover the policy holder (and/or spouse) for travel between multiple fixed places of work, in addition to SDP.

This will be automatically upgrade once the time comes and I advise them of my status change, from retired to employed.

Thanks for sharing your own experiences.