Social element of car insurance

[HforHavana]

When taking car insurance out, I assume most people choose social as part of their cover. With corona, obviously we are all being banned from travelling socially and only allowed to travel for work and essential purposes.

If you got into an accident travelling socially (which obviously you shouldn't be doing anyway), would your insurance be valid?

(Side note- currently quite bitter as my car insurance is over 2k this year which is for social, domestic, pleasure and commuting and I can only use the commuting element. My insurers gave a £25 refund last March which m obviously isn't comparable if I'm paying 2k for a year ☹️)

'social' is absolutely standard and you won't get insurance without it.

£2k a year???? Have you shopped around?

'Social just means anything other than business and commuting so shopping, appointments, etc are classed as social.

@murbblurb

'social' is absolutely standard and you won't get insurance without it.

£2k a year???? Have you shopped around?

Yep, I have my DP as a named driver who has 3 points so boosted it right up, and we are both under 25 so already expensive

If your DP is making your car insurance more expensive, does he need to be on it?

My DP, who also has 3 points, actually makes my car insurance cheaper. But we're both late 40s with good driving records.

Your age, driving record and where you live is most relevant to the cost of your insurance.

3 points, presumably for one speeding offence, is neither here nor there in my experience. The effect on the price is minor.

The only way you can possibly get your insurer to reduce the price is if you are doing far fewer miles than you originally stated. However they may charge to make a change and sometimes very low mileage is actually more expensive, because you don't build up experience.

Does he really need to be on it? If he has his own policy then he might already be insured to drive other cars.

I feel your pain. For 4 years I had points on my license from an insurance mistake which absolutely rocketed my premiums alongside having no no-claims discount after having company cars for years. There's not really a way around it though I'm afraid.

I think I get the point you are trying to make about CV OP, but social doesn't only cover actual socialising.

Going to Tesco's, counts as well. Knock yourself out.