Travel from home to a regular workplace is generally commuting. Travel between workplaces during the working day is commonly treated as business use. Alternating between two regular workplaces can be treated differently by different insurers.

How insurers commonly treat this

• Some policy definitions refer to commuting to a single permanent place of work.
• Travel from one office, branch or site to another is typically work-related travel rather than a home-to-work commute.
• Where the pattern does not fit the quotation wording, the insurer can clarify which class it uses.

What the quotation may ask for

Quotation forms use the information supplied to determine which insurers can offer cover and on what terms. Where the available answer does not accurately describe the circumstances, the insurer or comparison provider can clarify how that information is recorded.