the oaf
14-03-06, 10:36 AM
I've currently got a multi-bike policy covering (I thought) my Xtra Raptor for pleasure, and my SV for commuting.
As I want to turn the SV into a project, I've been looking for a really cheap, throwaway scooter to get me to and from the station every day. A local dealer has had a nice little Taishan come in (good runner, but the bodywork is a bit battered), and wants 295 notes for it. I contacted my insurance broker to find out about adding the 50cc scoot third party as an adjustment, and although I'm already paying fairly close to a grand fully comp, they still want another 15 notes. When I asked if it makes a difference that the bigger bikes would no longer be used for commuting at all, I was told that the policy covers all the bikes under the same rules, so I can only add the 50cc scooter fully comp, and all the bikes are classified as commuters (which probably explains why I've been paying so much if they've got my limited edition Xtra raptor down as a commuter)
I'm never going to use the bigger bikes for commuting again, just the scooter... but if I tell them it's for commuting, I'll be subject to them classifying the Raptor and SV under that usage as well, which will load my premium. I just ride the bike to and from the station (not my place of work) well outside normal rush hour (5 in the morning, and between half 8 and half 9 at night), so technically it's not commuting as such; and as it costs less than three hundred notes, and my Excess is 250, if it gets nicked or broken, I'm not going to claim... I'll just find another one. So what I really want to know, is can I get away with classifying its use as "pleasure"?
What's the worst that could happen?
As I want to turn the SV into a project, I've been looking for a really cheap, throwaway scooter to get me to and from the station every day. A local dealer has had a nice little Taishan come in (good runner, but the bodywork is a bit battered), and wants 295 notes for it. I contacted my insurance broker to find out about adding the 50cc scoot third party as an adjustment, and although I'm already paying fairly close to a grand fully comp, they still want another 15 notes. When I asked if it makes a difference that the bigger bikes would no longer be used for commuting at all, I was told that the policy covers all the bikes under the same rules, so I can only add the 50cc scooter fully comp, and all the bikes are classified as commuters (which probably explains why I've been paying so much if they've got my limited edition Xtra raptor down as a commuter)
I'm never going to use the bigger bikes for commuting again, just the scooter... but if I tell them it's for commuting, I'll be subject to them classifying the Raptor and SV under that usage as well, which will load my premium. I just ride the bike to and from the station (not my place of work) well outside normal rush hour (5 in the morning, and between half 8 and half 9 at night), so technically it's not commuting as such; and as it costs less than three hundred notes, and my Excess is 250, if it gets nicked or broken, I'm not going to claim... I'll just find another one. So what I really want to know, is can I get away with classifying its use as "pleasure"?
What's the worst that could happen?