Talk

Advanced search

Car insurance invalid for non essential journeys

(49 Posts)
Papergirl1968 Tue 14-Apr-20 14:26:25

Just heard “loophole lawyer” Nick Freeman being interviewed on local radio and he said some car insurers may not pay out in the event of a crash on a non essential journey.
I’ve googled and this has also been in some of the papers, again quoting Freeman (sorry, I can’t do links) but I thought I’d just let people know as I wasn’t aware.

OP’s posts: |
MrsJoshNavidi Tue 14-Apr-20 14:30:08

Interesting - but given that we should only be making essential journeys anyway, and not going on joy rides - I don't think it will make much difference in the current situation.

perniciousdot Tue 14-Apr-20 14:30:20

It will be interesting to see how an insurance company can prove your journey was non essential. Anyone can say they were going to shop for 'X relative who is vulnerable'

jimmyhill Tue 14-Apr-20 14:30:30

Bullshit

perniciousdot Tue 14-Apr-20 14:32:03

Oh, and this guy is a prick. He doesn't speak for any insurance company. Unless my insurer change my policy then it's valid.

cologne4711 Tue 14-Apr-20 14:36:53

Well if that is the case, it is a change to the terms of the insurance policy and they would have to write to all policy-holders to let them know, along with a cast iron definition of essential journey.

Not. Going. To, Happen.

He. Is. Talking. Out. Of. His. Bottom. (not for the first time)

user1492771818 Tue 14-Apr-20 14:38:13

If you drove past a police road block, they were instructing you to stop and you then had to make a claim you wouldn't be covered, under normal circumstances. So disobeying lawful instruction to make only essential journeys could be viewed by the same.

Papergirl1968 Tue 14-Apr-20 15:15:30

He normally defends motorists so to say they could get caught out by this is not his usual style.
I do think it would be hard but not impossible for the insurers to prove whether it was an essential journey.

OP’s posts: |
Thripp Tue 14-Apr-20 15:17:10

Complete codswallop.

slipperywhensparticus Tue 14-Apr-20 15:17:50

I pay my insurance there is nothing on the policy that says essential journeys only they cant just unilaterally change it to suit themselves

HuntIdeas Tue 14-Apr-20 15:22:23

It wouldn’t surprise me if there was a clause in your policy saying legal journeys only. Seeing as non-essential journeys are illegal....

FliesandPies Tue 14-Apr-20 15:22:53

Total bollocks - and scaremongering to boot.

FliesandPies Tue 14-Apr-20 15:27:03

non-essential journeys are illegal....

No, they aren't, because 'non-essential' has not been defined in the regulations.

MrsJoshNavidi Tue 14-Apr-20 17:48:14

It will be interesting to see how an insurance company can prove your journey was non essential. Anyone can say they were going to shop for 'X relative who is vulnerable'

I suppose it might be non essential if you were in a supermarket that isn't roughly on the direct route between your two houses.

Hirsutefirs Tue 14-Apr-20 17:53:27

The lawyer would like for some dim cop to charge someone and somehow it gets to court, so he can get them off the non-offence.

BamboozledandBefuddled Tue 14-Apr-20 17:58:01

Complete and utter bullshit. Firstly, there is no law defining an 'essential' journey. If there was, than as a pp said, new policy terms and conditions would need to be issued to every policyholder. There is no existing clause regarding 'legal journeys' as that is a concept completely unheard of in British law.

And you are not required to shop at a supermarket that is on a 'direct route' of any description. I think some people on here have been isolating for too long now....

LittleLittleLittle Tue 14-Apr-20 17:58:28

@MrsJoshNavidi there are loads of supermarkets around me of different sizes and they don't all sell the same free from/vegetarian/vegan/low salt/etc products.

If I decided to drive to a supermarket 12 miles away rather than the one 3 miles away because they sold the right two products for someone with a particular dietary requirement required then how could my journey be non-essential?

WeBuiltCisCityOnSeeingSouls Tue 14-Apr-20 17:58:59

Nick Freeman, for example...

PicsInRed Tue 14-Apr-20 18:00:31

Unless they decrease my premiums to reflect the lowered risk of my car sitting idle on my driveway, they can fuck off that.

perniciousdot Tue 14-Apr-20 18:02:55

I suppose it might be non essential if you were in a supermarket that isn't roughly on the direct route between your two houses.

You are allowed to go to whichever supermarket you choose. It doesn't have to be on a direct route.

MrsJoshNavidi Tue 14-Apr-20 18:07:21

You are allowed to go to whichever supermarket you choose. It doesn't have to be on a direct route

No you're not. I wouldn't be able to justify travelling the 15 miles to the nearest Waitrose when there's a Sainsbury's a few streets away.

perniciousdot Tue 14-Apr-20 18:11:00

No you're not. I wouldn't be able to justify travelling the 15 miles to the nearest Waitrose when there's a Sainsbury's a few streets away.

DD drives 10 miles to Tesco because we shop there. We have a co op down the road. We are allowed to go to Tesco. Stop making rules up that don't exist.

BamboozledandBefuddled Tue 14-Apr-20 18:17:04

No you're not. I wouldn't be able to justify travelling the 15 miles to the nearest Waitrose when there's a Sainsbury's a few streets away.

You wouldn't need to 'justify' anything. The law defines leaving home to shop as essential. End of. Not when, where, how often or what you may or may not buy. Sorry if that spoils your dream of a police state but it's the truth.

Aragog Tue 14-Apr-20 18:18:09

* I wouldn't be able to justify travelling the 15 miles to the nearest Waitrose when there's a Sainsbury's a few streets away.*

Can you find the part of the legal document put out by the Government which states this?

From what I remember 'essential' and 'non essential' has not been defined.

Just like the type of exercise and its duration each day has not been defined, despite what some MNetters would have us believe. There is also nothing in the legal statements that says you can't travel in a car to exercise either.

You are also still allowed to travel to work too, if you can't work from home. DH can mainly work from home but still needs to go in once of twice a week, and still needs to visit clients to deliver them documents and money - whilst socially distancing. MNetters would have us believe this is also non essential and not allowed, but it is.

It would be impossible to police and there is little way car insurance companies would prove that a journey was not essential in most cases.

topcat2014 Tue 14-Apr-20 18:19:56

Think some pps are thinking of wartime rationing where you did have to go to your nearest nominated butcher etc

Join the discussion

Registering is free, quick, and means you can join in the discussion, watch threads, get discounts, win prizes and lots more.

Get started »