The story is that the wife insured one car for use at work (private cars are not insured for work use unless you tell them) and added the other one to the same policy but without use at work due to the extra cost. The person at the brokers took it as being if you are not using the car at work you would not commute to work in it. Hence gave us a cheaper premium. They didn't tell us this and the wife didn't pick up the clause in the policy till she had a bump. The wife was in a total panic for a few hours, She now reads every thing thoroughly.