Hi im hopeing someone can give me a little, much wanted advice. i had an accident at 5am this morning no other vehicles were involved and no body was injured which is the main thing, the bummer is that after getting my car recovered and informing my insurance company i have had a look at my insurance certificate and it states im not insured for commuting which is a problem as i said i was on my way to work.
How strict are the insurance companies with this as im getting worried now that im going to end up with a big bill and a mashed up car?
I have not yet stated to the insurance i was on my way to work but when i reported it to the police they asked me to produce as there was a gate damaged and upon producing my certificate they said it didnt cover me as i told them i was on my way to work.
Should i try and ring my insurance and ammend the policy before the claim is processed and risk not being paid out or could i flex my story a little and say i was on my way to my friends house and we commute from there in a company vehicle any thoughts or comments would be really really appreciated as im stuck as to what to do and dont really want the insurance to refuse paying out.
The policy is with aviva if this means anything to anyone, sorry for the long post
many thanks scott