In the UK you can specify whether or not your car will be used for "Social & Domestic" OR "Social, Domestic & Commuting".
The amount differs ever so slightly in my 10+ years of driving, but I would imagine the base rate they all use will increase when they learn less people are commuting, because they're greedy.
That being said, I'm not sure on the formula here, and why it matters. Maybe it's an old way of calculating mileage, which means you're on the road more, and therefor more susceptible to an accident.
There's absolutely no way they'd be able to prove you were commuting at the time of any accident.
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In the UK you can specify whether or not your car will be used for "Social & Domestic" OR "Social, Domestic & Commuting".
The amount differs ever so slightly in my 10+ years of driving, but I would imagine the base rate they all use will increase when they learn less people are commuting, because they're greedy.
That being said, I'm not sure on the formula here, and why it matters. Maybe it's an old way of calculating mileage, which means you're on the road more, and therefor more susceptible to an accident.
There's absolutely no way they'd be able to prove you were commuting at the time of any accident.