If you drive to the station, then “Yes” because that part of your journey counts as Commuting.
If you don’t drive to the station, then on the face of it “No” – but tread warily…
Commuting cover will typically add around 10-15% to the cost of your insurance. If you chose not to buy this cover, then your annual insurance will not cover you :
– if you use your car tyo drive to work in the event of a train strike or other know disruption
– if you drive to a training course or to another office
These scenarios highlight one of the main problems with annual car insurance : its inflexibility. When your annual insurer asks “Do you want to add Commuting cover?” the possible answers are either “Yes” (which means you’ve got it for 365 out of 365 days a year) or “No” (which means you’ve got it for 0 out of 365 days a year). If there was a box that said “No, but I might just need it once or twice a year” then that would be many people’s ideal answer, but unfortunately it doesn’t exist!
However, there is some light at the end of this particular tunnel. In recent years, the short-term insurance market has become more established and these companies have led the way with flexible, innovative products which allow customers to “fill in the gaps” between annual insurance. One such product is Business Use Only Insurance. For a very reasonable premium (typically less than £10 a day) customers who already have Social Domestic and Pleasure cover can add Business Use just on the day(s) they need it. in fact it can even be bought by the hour! This might just help you out of some of the situations outlined above.