Driving to work.

by Mike
(Waterloo Ontario)

My wife and I own one car.

What happens if I or my wife has a accident,while driving to or from work & the distance is OVER the insured kilometers?
Example:I'm insured for 25 kilometers one way,but the job is 35 kilometers one way.
Do i just say "I'm not coming/going to work",if asked by the police?
And,if it is proven that I was going/coming from work-what happens to my auto insurance?

Thanks

Insurance Rates and Commute


Hi Mike
The difference in rates between a 25km commute and a 35km commute have to be marginal. Why risk the aggravation of problems at time of claim?

Most likely you'll have no trouble with a claim in a scenario like this. But it could cause a problem because it involves misrepresentation.

Be on the safe side. Call your insurer and let them know. If the rates go up, Check here:
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Note: Always speak with a licensed insurance professional about your specific situation. This insurance information is general in nature and the policy wordings always take precedence. It is possible that there are errors and omissions in this website and www.canada-insurance-source.com, or its authors, take no responsibility.

Keep in mind that insurance licensing, legislation, and policies often vary by province and most certainly by country. Canada Insurance Source is a free information source. So use this site to gain a general understanding of insurance with your own area and situation in mind.  Make sure you review the "please read" page. Always speak with a licensed insurance professional about your specific situation.

Always speak with a licensed insurance representative about your specific situation.

This site is general in nature and there may be errors or ommissions

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