Social domestic and pleasure

[pete 1,957]

What does social domestic and pleasure actually cover. Some say it covers commuting some say not, or does it differ with each insurance company

[andydclements 810]

Just about anything can vary by company, but I've not seen any of my previous insurers have commuting to a singe place of work excluded from SDP. Commuting to various places (say somebody who works from various offices depending on client meetings, or travel to clients' homes) traveling between offices during work hours , those I'd expect to be classed as "business travel".  Sometimes though you do simply have to tell them that you want to include commuting to a singe place of work, not an additional cost, but they just need to include the phrase.

[C8RKH 6,691]

SDP usually includes your travel to  your single  usual place of work. I.e. your daily commute, as @andydclementssays. That is part of the domestic bit is it not 

No business use at all which includes travel between locations of work (offices, homes, depots etc).

 

[Bravo73 1,386]

40 minutes ago, C8RKH said:

SDP usually includes your travel to  your single  usual place of work. I.e. your daily commute, as @andydclementssays. That is part of the domestic bit is it not 

My experience is the opposite. The usual ‘SDP’ cover specifically does not cover commuting. You’ll need ‘Social & Commuting’ for that. 

Here are confused.com’s criteria:

[exeterjeep 313]

39 minutes ago, Bravo73 said:

My experience is the opposite. The usual ‘SDP’ cover specifically does not cover commuting. You’ll need ‘Social & Commuting’ for that. 

This is what I have experienced and allowed for in my insurances.

[C8RKH 6,691]

I stand corrected!

I always assumed you were covered for your regular commute. However, I have only ever had comp insurance in 37 years of driving.

[Bravo73 1,386]

The kind of cover (ie comprehensive/TPFT/3rdP) is different to the use of the vehicle. 

Once again, from confused.com:

 

[Bazza 907 1,110]

The wording on most policies is "SDP including commuting".

However if it doesn't say "including commuting" it's not covered. Many classics car policies are SDP only and you are not covered for commuting.

[andydclements 810]

Regards Confused (or any other of the comparison sites) they are generally going to break things down into chunk s that all / vast majority of insurers will cover, then the next bits are either an option for some or already included for other insurers. So, if some insurers cover commuting to single place within SDP, but some you have to pay for that commuting, then confused need to give their customers the options of not having commuting, or having commuting. That doesn't mean that insurers treat it that way, it's just the only way to realistically phrase it and position it to customers. The other obvious option is to force customers to buy that upgrade and quote it in the price, but that's then unfair on consumers who don't commute.

[Bravo73 1,386]

Now, if only there was an insurance specialist on the forum who could comment...

[C8RKH 6,691]

1 hour ago, Bravo73 said:

Now, if only there was an insurance specialist on the forum who could comment...

But regardless of whether there is or isn't, the devil is always in the detail so RTFP! And don't assume anything (like I did earlier)