Insurance - Commuting or Business?

I have been told that if I travel to and from more than 1 place of work I'll need Business cover, which adds a bit to the price.

But I cant see how they would know. If I were to crash on the way to another place of work (i.e, my clients' site) I could just say I was out for fun or going to see a friend...

What do you do/suggest?

[Juju]

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?

Honesty is the best bike(policy)

[madcockney]

Originally Posted by hongman

I have been told that if I travel to and from more than 1 place of work I'll need Business cover, which adds a bit to the price.

But I cant see how they would know. If I were to crash on the way to another place of work (i.e, my clients' site) I could just say I was out for fun or going to see a friend...

What do you do/suggest?

I have business cover on my car, and have just taken this up on my bike insurance (newly qualified rider) and from what I can see it does not add much to the cover cost, though I live in a reasonably low cost area, and my occupation is not high risk. If you haven't already done it go on-line and get two quotes one with and another without.

Declare everything if you want to be covered. Insurance companies will quite happily search for a reason not to pay out

That's that then

Thanks guys.

Looking at £289.50 TPFT all declared on business and mods. Not too shabby for a brand new rider on first bike methinks.

Don't quite understand how they'd know whether you were travelling to work or not but I'd guess they would initially refuse to pay out if you were anywhere near an industrial estate at rush-hour.
Best not to lie to them. My dad used to work as an independant insurance assessor (tells the insurance company how much damage and cost and helps with investigating the circumstances) and the devil was most definitely in the detail. He told me about no-payouts for parked cars with bold tyres which had been whacked even though tyre grip had nowt to do with it. Guess the same thing applies if they check current mileage against the last MOT mileage.
I noticed on last years premium that it only cost me £5 more to add a pillion which begs the question why do the insurance companies bother? I suppose it's another way to weedle out of paying people who forgot to tick a box or forgot to change their policy.