My wife is insured with VW Insurance underwritten by Allianz, she was given one years free insurance when she bought a new car last year and she renewed it automatically.
She is an airline stewardess and was reporting for duty at 7pm last night at Heathrow.
We use her car mainly as it can take dogs and children, our only other car is an Audi TT which is impractical for the purpose. Normally I drop her off at the airport at the fast drop so I have use of her car as I'm a named driver, otherwise her car sits in a car park for 5 days 9 days etc, completely pointless.
However last night I happened to be at the airport at a works function and had a hotel room booked, she was on her way to my hotel to have a coffee and hand me the car as I was obviously not coming home, I would drop her at the kerbside as usual and whizz off to my Christmas meal.
Unfortunately she collided with the rear of another car coming off the M25 AT 1750, the car being damaged and undrivable.
The insurance adviser has informed us her cover is social,domestic, and leisure and does not include commuting so they would not be covering it. No she never checked it and has learnt the hard way.
HOWEVER - She was not driving it to work , she was bringing it to me so I had it for the 5 days she was away, the hotel is 20 mins from our house, I've sent them the hotel bill, my check in time etc etc. Normally I would have taken her in and dropped her off but couldn't as was in the hotel. Because ultimately she left home to go to work they didnt care about the details and said it was commuting. I replied that as she only goes to work 3 times a month as she's part time, I have the car to stop it sitting dead in a car park for ages, and certainly last night she was not commuting to work, she was delivering it unusually to me as I was in a Heathrow hotel.
So having paid to get the car moved to a body shop I'm in limbo. Can they define this as commuting, her car sitting at a hotel unconnected to work then driven by me to drop kerbside? To me they are refusing on a technical point, it did not happen near the work car park it was miles away, I am angry, she is shaken and what if any are my legal avenues.
Any help greatly appreciated by us both.