Is a vehicle that is insured for farm use and pleasure use more than twice as much as the vehicle insured for the purpose of transporting the insured to and from work?

British Columbia, Canada

The following excerpt is from Action Adventures Ltd. v. Lloyd's Underwriters, and Meehan v. Lloyd's Underwriters et al, 2007 BCSC 321 (CanLII):

The court came to a similar conclusion in Bolen v. Insurance Corp of British Columbia 2006 BCSC 1749. A claim was denied because the insured drove a truck, that was insured for farm and pleasure use, to and from work. As in Madden, the court found that that usage increased the risk. The policy did not allow for exceptions to occasionally permit the vehicle to be driven to and from work.

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