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  • Insurance is tenuous but bear in mind that insurers will look for any loophole to avoid paying out. For the police to be using those loopholes too is a worrying trend.

    Commuting is a journey you do to and from a fixed place of work. I don't think it matter how you normally do the journey - what matters is that you do the journey and if you only ever do it once on the bike and you don't have commuting cover - then you aren't insured for that journey.

    So if the purpose of that journey is going to work then it's commuting. If you are using the gym, or using the work car park to go shopping etc then it isn't. If as suggested above the purpose of the journey is to drop the bike off for a service and then you walk to work from the bike shop etc then again you have an argument it wasn't commuting.

    Bear in mind also that if you ever use the bike to go to meetings etc (ie not to your single place of work) then you need business use cover as well. If you've ever made a mileage expenses claim then you need business use cover.

    Check out the definition of commuting. It's not a single journey it's a habitual series of journeys to and from a place of work. How many journeys it requires to make it commuting would be down to the judge on the day and the evidence he or she had to consider.

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