I’ve just run a quick fake quote for an 18 year old - 1 year NCB - 2004 Hornet - worth £2,500 - postcode not a million miles from where you live - parked on road (dunno if you have a garage) - with just an Almax for security … got a quote of £1,097.64
That will go down with further looking/negotiating down the phone/haggling.
You’re not looking hard enough young man
If you get knocked off at 8.30 in the middle of London the balance of probabilities might suggest you are commuting. Making a false declaration to your insurer is very naughty, and would probably result in non-payment
True, but in lets say you don’t declare it, you do commute, and you knock off a pedestrian at 8.15 outside Kings Cross or something. You claim, and your insurer gets taken to court by the other side fighting for compensation. This is a civil rather than criminal case, and as such only a balance of probabilities is needed, not beyond all reasonable doubt. Your insurer loses, and subsequently comes after you for the compensation, because you made false representation to them. Potentially very expensive, and, as Danny Dyer might say, pwopa nawty!
Presumably the insurer would just ask your employer if you were supposed to be at work that day? Wouldn’t take much of a leap of logic that if it was a bit before work started and you were between home & work then you were commuting
yes davori but its not all about accidents, bikes get stolen from outside places of work, then you’d have to report it, insurers would see the report etc, one minute your saving a few quid by not adding commuting, then you’re having to lie to mr plod…
ok i’m insured to commute and will keep it that way to avoid extra hasstle, however if one want to do that then one should try it, i mean for god’s sake some people can do a lot of miles on just one social occasion then even commuting and commuting can actually be safer as you already know where to expect other drivers to be idiots…
my riding certainly went down this year and i’m only commuting and doing occasional shopping trip & visit friends