Commercial vehicle insurance

  • Carlieg89's Avatar
    Need help.

    we had commercial vehicle insurance and was involved in a no fault accident (at a stand still a vehicle went into the back of us, causing us to go into the back of the vehicle infront) took all the necessary steps and informed insurance policy to now have it cancelled!
    basicially on our IPID and all documents it clearly states - commercial vehicle plus usage we stated 8000 business miles which clearly shows.
    however it also states social domestic and insurance (not only on the insurance product information document)
    I have argued the fact that all the terms and conditions and documents sent to us was for commercial vehicle van insurance and we stated 8000 business miles! So how are we not covered for business use? Surely a van insurance for social domestic and pleasure only should have been just private van insurance. So I feel we had no reason to believe we had been fraudulent and Miss informed them of the type of cover we requested?
    Or am I being really Nieve in the big insurance world and stand no chance in fighting this?
  • 2 Replies

  • Marc's Avatar
    Community Manager
    Hi @Carlieg89
    Welcome and thanks for posting 👍
    Am I right in saying the issue is that your insurance did not include use for business purposes? ie social/domestic only?
    Welcome to the RAC Community! Start here 😀
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  • Carlieg89's Avatar
    Hi Marc.
    Yes so we requested for 8000 business miles. Our insurance product information document they asked us to check and to make sure was correct states 8000 business miles on it. So to us we had allowance for business use.
    the issue they are saying is although it says we have 8000 business miles the insurance policy is for social domestic and pleasure.
    stupidly with all documents and our search being for commercial van, and with the IPID showing 8000 business miles we had no idea we were not covered for business use and it was social domestic and pleasure.
    they understand how we have got in this position and know it wasn’t fraudulent and a mistake. However do I have any rights because if they never printed on IPID the business miles I would not be in this situation in my opinion. I have tried to use the terms breach of contract however they believe we have no grounds.