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Last night i was up very very very late, even for me. I thought I would have a light work day today. My thought last night, was that if got a first draft of a document done for here, I could work on it Friday night (aka tonight). Alas, something discovered yesterday resulted in me working until now! It was a blast doing what I was doing, not complaining, but, I am aware that when working, my week days/nights are not always mine.

Thanks for being here to be able to take a break, read some "room for all", chat about ebikes or roomba's . It is a nice break.
 
Good morning! From e-bikes, scooters and bikes, to vacuums, late nights and all other things that come to mind, the Room is here and the Coffee Cart is ready. Drop in and join the chat, and have a hot beverage of your choice.

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Some genius some years ago developed the railroad that avoided hills ... this degraded into walking and biking trails with humps.

I suppose they will come back and we will be charged an exorbitant fee for reinstallation to keep excesses like inflation up there!

Bikes will become obsolete as people die off because of the downgraded nature of the environment. It is said to be connected or related to Lucretius in how word is carried on ... Caruso?

Suppose this cannot be intimated ... thus the icon fades?
 
@JayneWonders -- sounds like you are working too hard these days. We are in the process of buying a used Corolla (2020 with less than 5000 km on it). When I talked to the insurance company they asked: Is it going to be used for pleasure or work commute? Are those the only two options I wanted to ask.....My husband's very old and rusty truck is unreliable, and our (newer) car is 10 years old. When I'm out and about, my husband is stranded and vice versa. Lately I have been using our car for: transporting people to hospital appointments, to transport the church bulletins to the church in time for choir practice, to get groceries, to go to Bible Study. Is that for pleasure? I don't think I'll ever consider driving anywhere a pleasurable activity.
 
Nancy said:
Is that for pleasure?
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Work driving is strictly commuting as I understand it, the daily drive to get to a place of work. If you work entirely from home, for instance, you don't need it. Going to a church would need to be insured as work if you were a paid employee of the church (minister, office administrator, etc.) commuting to and from work. If you are just going for your weekly/whatever group or volunteering, it would not require you insure for work. But consult your broker/agent to confirm. That's just how I understand it. Right now, our two Civics are insured for commuting (I use one, my son the other) while our CRV is not (Mrs. M uses it and she's retired).
 
Questions arose when I worked in a hospital that had an off-site program. If a staff member drove from one site to the other, was that commuting or was it using the vehicle for work?

The hospital advised people to check with their insurance companies. It seems to me people got different answers. Not positive though because it was a long time ago.

Same question must come up with hospitals that have more than one site. Most employers probably work in one location but others may need to go back and forth.
 
Many years ago, a gentleman at a local company was seriously injured whilst driving to the airport. It can be an ugly drive. (I took limo most times)

Interesting that the one result was that employees could no longer drive themselves, they had to take a limo.

It was told to me it wasn't about insurance so much as the owner was gutted
 
That's understandable @JayneWonders

Limos can get into accidents too but limo drivers are probably more familiar with the route to the airport.

I heard a terrible story recently about someone who got into an accident on the 401 while taking an Uber.
 
I had a very bad experience with a airport driver. I reported it. The guy was scary. It was also one of the airport vans.

The limos though were monitoring road conditions, phoned to leave early if conditions were bad, were quality vehicles with great safety items .
 
chansen said:
Right?!? I don't know. They have their place, but they're not all that and a bag of chips.
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I'm pretty sure that I would have enjoyed an ebike in my younger days. Now, with multiple health challenges I didn't feel in control of it. My wrists just didn't want to support the weight when I tried to dismount!
 
Good morning. It's another rainy day here today. I decided to unravel (frog) a sweater I was knitting a couple years ago and start something different with that yarn. I wanted a basic, plain pullover that could be worn in different situations. It's blue so basically a neutral colour. In my world anyway.

@Nancy do you need any kind of rider on your insurance when you're transporting people on a volunteer basis?
 
I guess 'work commute' means you are likely to be regularly driving during usual 'rush hour' traffic. If I recall our insurance also had indicators for distance of said commute. But of course - always best to check with insurance company, rather than assume. They have so many ways of speaking about things - often seems 'weasely' to me - ways to escape paying. Using a vehicle 'for work' would (to me) mean the employer requires you to drive to complete assigned duties and pays accordingly. But again - that's an assumption!!
 
Rainy gray day here too - heading out soon on a couple of errands; then tidy up the house & prepare the table for dinner guests coming tomorrow evening as I'll be out for some of the day tomorrow.

But fb today showed me that 13 years ago I was taking in the spectacular cherry blossoms in High Park! I'll stick with that view for today!!

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When I worked for a home care agency I used my car to travel to clients' homes. It upped my insurance premiums but not by a great deal.

I never took clients anywhere in my car. Some of my colleagues took clients places but it was not expected by our agency. I was very surprised to learn that having clients in my car would not further affect my premiums.
 
Our family carried a high level of insurance due to sometimes having to drive multiple youth to hockey games, or church kids to camp.
Of course, we also did due diligence regarding safety for the kids and ourselves (ie ensuring not alone), but the risk of an accident, even being hit by someone else meant we carried a lot of insurance.

It would be interesting to ask if the organization that you are driving for has recommendations regarding insurance, or if they carry insurance for their volunteer drivers.
 
My driving as a volunteer is not organized...It is friends and family to various doctor appointments and/or the hospital. I also drive places to do other volunteer work. Which is not a complaint...but those who design the insurance world think there are only two reasons to drive: pleasure or work. Driving hockey players or kids to camp would not fit in either of those categories either.
 
Nancy said:
@JayneWonders -- sounds like you are working too hard these days. We are in the process of buying a used Corolla (2020 with less than 5000 km on it). When I talked to the insurance company they asked: Is it going to be used for pleasure or work commute? Are those the only two options I wanted to ask.....My husband's very old and rusty truck is unreliable, and our (newer) car is 10 years old. When I'm out and about, my husband is stranded and vice versa. Lately I have been using our car for: transporting people to hospital appointments, to transport the church bulletins to the church in time for choir practice, to get groceries, to go to Bible Study. Is that for pleasure? I don't think I'll ever consider driving anywhere a pleasurable activity.
Click to expand...
I'm with you on that, although different reasons. Most of my driving is back and forth for treatments, doctors appointments, pharmacy needs, and medical testing. I will pick up groceries with those trips too. It's actually pretty rare for me to be driving unconnected to anything medical these days. Errands rather than pleasure would be a more accurate term.
 
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