Share your insights or perspective on the financial matter presented in the input.

Car insurance (UK) excludes commute to and from work, will not pay on claim during non-commute
You should start by making a written complaint to the insurance company itself. You have two angles of attack: What was discussed when she was sold the policy. Make sure you set out exactly what you believe you were told and highlight that they didn't ask about commuting (assuming that's the case). Ask them to preserve any recordings they have of the call and to send you a copy. The nature of the journey where the accident happened. From the description - unless it was part of a journey to and from work - there's no good reason for them to classify it as commuting. Make sure you make good written notes now of anything that happened verbally - phone calls etc, and keep doing this as the process goes along. If that written complaint doesn't work, your next step is to go to the Financial Ombudsman, who are a neutral adjudication service. If the Ombudsman doesn't support your case, you could go to court directly, but it'll be expensive and a lot of effort, and by this stage it'd be unlikely you would win. The Ombudsman's rejection wouldn't count against you directly, but it'd be a strong indication that your case is weak. See https://www.moneyadviceservice.org.uk/en/articles/making-a-complaint-about-an-insurance-company for a more detailed walk-through.