for a job iam a class one hgv heavy goods vehicle artics to you semi 16 wheelers ect if i do not take out an extra claus on my insurance i can not park my car or bike sore point, when i get one because they the insurance deem it an unsafe environment ie trucks and fork lifts moving about might hit them . do they tell you this when you take out the insurance no they dont, even when you tell them what you do , they let you make a claim then tell you your not coverd when you tell them that it does not say that , they say that because off all the exempt attachment to the contract would take another twenty pages to list all of the exemptions they only put the top ten down , mm and some how iam and other hgv drivers are not in the top ten , oh and let us not forget the catch 22 scenario , you are on privet land and not on the queens high way so you are not covered any way , but i have it sorted out i now pay an extra cover fee of five pounds that has gone down from twenty when i first took it out ..... have not claimed on it yet thats why