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@M_V
This insurance stuff seems so..umm...tenuous?
I don't have commuting on my policy, it was going to almost double my premium.
My gf and I work in the same building, sometimes if I'm off I'll run her to work then take the bike out for a spin, that doesn't violate my policy right? Because I'm not working so I'm not commuting?
But if I run her to work on a day we start at a similar time then go to work myself then I am violating my policy?
My workplace comprises many things, one of which is a gym, I can ride to the gym on my day off and not be violating my policy, I can ride to and from the gym in the morning when I'm working a backshift and not be violating my policy but if I ride to the gym in the morning then start a shift straight after then i've violated my policy? Or do I only violate when I ride home?
What if I ride into town in the morning, do some shopping or banking or meet a friend for coffee etc then catch a train from town to work and then another train back to town after work and ride home from there? What if I ride to the supermarket that's a 5 minute walk from work and pick up a few items then walk to work then walk back to the supermarket carpark and ride my bike home - if it's not been stolen?!