Commuting use to be added to NIG motor certificates
Authored by NIG
To ensure clarity of cover, we are updating motor certificates to include commuting for drivers already entitled to drive for social, domestic and pleasure purposes.
We understand that while we are covering our policyholders’ commercial businesses, company vehicles may have multiple uses, particularly for smaller family-run businesses. We want to help our customers fully understand who and what is covered by their policy.
When will/won’t commuting be included?
We will be including commuting use for any employee or non-employee, where we have agreed social, domestic and pleasure.
However, we will not be adding commuting use where we have provided social, domestic and pleasure cover for any unspecified relative or friend of a partner, principal or director. We view this as infrequent use and, as such, commuting cover is not appropriate without further investigation.
What counts as commuting?
We are using the accepted common law definition of commuting, i.e. the use a vehicle while it is being driven to and from the driver’s permanent place of work, for either part of the journey, or the whole journey. This includes driving to and from a car park, railway station or bus stop as part of a journey to work.
Will there be an additional premium?
We will not be imposing an additional premium for this change.
Speak to your NIG contact to find out more.
About NIG
We’ve been experts in commercial insurance for 125 years.
The National Insurance and Guarantee Corporation (NIG) is a broker only insurer; we believe in getting to know both the brokers we work with and their clients’ businesses, building trusted partnerships that last for the long-term. Our highly experienced underwriting team are focused on working with brokers to identify and understand the risks faced by UK enterprises. Together, with our risk control experts and risk management tools we develop solutions to help UK enterprises reduce and mitigate key exposures. We offer a wide range of products with flexibility to create tailored insurance cover and when clients need us, claims are dealt with quickly and fairly through a proactive claims approach.
Our trading model has been designed to reflect the differing requirements of how brokers like to trade, with regional offices, National Trading Centre, National Schemes Centre, eTrade Centre of Excellence and dedicated experts for specialist sectors.
We’re investing in new technology to make us even easier to trade with. We’re launching an online risk management resource supported by our in-house Risk Control Team and introduced online claims submissions to speed up the claims process, minimising disruption to clients’ businesses. We are also the only insurer two years running with a five-star rating for both TheHub and Software Houses, in the Insurance Times 2019 and 2020 eTrade survey.
We are dedicated to making UK enterprises more resilient.
NIG is a wholly owned subsidiary of Direct Line Insurance Group plc, providing stability and financial strength. Our policies are underwritten by U K Insurance Limited.