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Juju · 02-07-10, 05:16 PM

They rate your premium on the risk you are.

If you travel during the day and are going through commuting traffic, you are a greater risk, and potentially doing more miles.

Not being honest with the insurers, whether you personally like them or not, or agree with them, is the best way to waste money on a certificate which will simply be refunded to you and no claim being met when you submit a claim.

If you don't want to pay an insurer a premium to reflect the risk, why would you expect them to pay you out fairly?

If you have a bad accident, say hit a child, or your pilion is hurt, or even a lesser accident but involving a a claim to the MIB, and the claim is investigated, with a man coming round to your house to "interview you", are you really clear in your own mind you can maintain the lie, and that it's even worthwhile doing so?

If your premium was say ££00 and adding business use was £30 more, is it really worth bothering with misleading the insurer, deliberately, for the difference, and not having peace of mind?

02-07-10, 05:16 PM	#2
Juju Member Join Date: Apr 2005 Posts: 176	Re: Insurance - Commuting or Business? They rate your premium on the risk you are. If you travel during the day and are going through commuting traffic, you are a greater risk, and potentially doing more miles. Not being honest with the insurers, whether you personally like them or not, or agree with them, is the best way to waste money on a certificate which will simply be refunded to you and no claim being met when you submit a claim. If you don't want to pay an insurer a premium to reflect the risk, why would you expect them to pay you out fairly? If you have a bad accident, say hit a child, or your pilion is hurt, or even a lesser accident but involving a a claim to the MIB, and the claim is investigated, with a man coming round to your house to "interview you", are you really clear in your own mind you can maintain the lie, and that it's even worthwhile doing so? If your premium was say ££00 and adding business use was £30 more, is it really worth bothering with misleading the insurer, deliberately, for the difference, and not having peace of mind? __________________ Bodily injury claims handler on hand for free advice.