Purchasing an auto insurance policy is a daunting task by all means. From getting a hang of the various types available to understanding the distinct array of clauses being mentioned, it’s a very detailed ordeal.
Above all, there are a number of diverse terms whose meanings tend to confuse many individuals. And today, we’re solving the mystery regarding the difference between the words pleasure and commute in terms of insurance.
And just in case you’re wondering what’s the big deal regarding knowing the difference. Well, let’s just say that auto insurance policy plans are granted to those who correctly answer a set of questions from the carrier involved. And failure to do so can possibly render your insurance policy as void.
Auto insurance firms like to know whether their clients commute in their vehicle
If you’ve probably ever applied for an auto insurance policy, you’re sure to know by now that a lot of carriers like to know if you prefer to use your car for commuting or simply for pleasure.
The purpose of this question and those similar to these has a lot to do with the fact that your insurer is interested in the most frequent manner you use your car and what your intentions are when you are driving it. Ever insurance providing company wishes to acknowledge and confirm about the manner and circumstances the vehicle is usual to be found in. This is all a part of risk analysis related to accident probability and how much they should charge you in order for them to gain in on profits.
What do the terms commuting and pleasure mean in the world of auto insurance?
To keep it simple, we’ve defined the basic grounds auto insurers use when conversing in terms such as commuting and pleasure.
Commute generally refers to travel or distance covered or mileage. Insurers are concerned with how much you commute because the greater the distance covered, the more expensive your auto insurance premium is likely to be. And that also means if your commute has recently declined due to a shift in address, your premium will also concurrently decline.
Generally speaking, if your vehicle is being used to travel to work- you’re using your vehicle for commuting. If however you use some other vehicle or travel to work via another mode of transport such as the train, your vehicle is being considered for pleasure. Usually vehicles are solely listed as pleasure if it’s not being used as the primary vehicle.
In most case scenarios, your insurers will define a list of scenarios where the client’s driving is being considered as commuting or simply as pleasure.