Here's a conundrum. My car insurance needs renewing. Honest as ever, I tell my insurers that I work at the weekend and use my car for work. I am told that, it is most likely that if I use the car for business, the insurance premium will go up. If I use the car for business and don't tell the Insurance Company, then I won't be covered should I have an accident.
My difficulty is this: if I was driving my car to my voluntary work, at the theatre, then I would be covered; if I am driving the same car to the shops, to the beach etc, I would be covered. If, however, I drive to a house where I meet prospective purchasers, show them round, then drive back to the office, I will not be covered - unless, of course, I pay a higher premium.
Roads are roads are roads, and traffic is an unknown quantity. At any point on any journey, to the theatre, to work, around the county for work, or on any recreational journey, I could have the misfortune to be in a collision. I don't understand why the Saturday driving carries any more risk than any of the other journeys. Do people drive more recklessly in work time, then take it easy on the way home? It goes against the grain to discard my natural honesty but, should I have an accident, would it not be more sensible to say I was on my way to the shops? My salary is a princely £42 per week. My car insurance is already £284 per year. I could be spending my meagre salary on an increased premium if I 'fess up.
My difficulty is this: if I was driving my car to my voluntary work, at the theatre, then I would be covered; if I am driving the same car to the shops, to the beach etc, I would be covered. If, however, I drive to a house where I meet prospective purchasers, show them round, then drive back to the office, I will not be covered - unless, of course, I pay a higher premium.
Roads are roads are roads, and traffic is an unknown quantity. At any point on any journey, to the theatre, to work, around the county for work, or on any recreational journey, I could have the misfortune to be in a collision. I don't understand why the Saturday driving carries any more risk than any of the other journeys. Do people drive more recklessly in work time, then take it easy on the way home? It goes against the grain to discard my natural honesty but, should I have an accident, would it not be more sensible to say I was on my way to the shops? My salary is a princely £42 per week. My car insurance is already £284 per year. I could be spending my meagre salary on an increased premium if I 'fess up.
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