9. Not counting your commute – even just driving to the train station
There are two several different types of policy, and you have to be careful which one you have. If you use your car to drive to and from friends’ houses, visit your family, go to the supermarket and what not, then you have to have a social car use policy. On the other hand, if you use that same car to go to work, including to and from the train station, no matter how frequently, you really have to upgrade your insurance to “social and commuting” policy. Why? Well, if you get in an accident on the way to work, you might not get paid if you are on the social policy.