What are the Classes of Use?
Classes of Use
There are various classes of use, depending on each individual's circumstances and the cover they require.
Social, Domestic & Pleasure excluding Commuting – This is suitable for anyone who doesn’t commute to a place of work or education.
Social, Domestic & Pleasure including Commuting – This includes cover for commuting to one permanent place of work or education for the Policyholder and/or their spouse.
Class 1 Business Use – This includes cover for the Policyholder (and/or spouse) to use the car for travel between multiple fixed places of work in addition to use for Social, Domestic and Pleasure use. Common occupations that might require such class of use would include a Supply Teacher or a Care Worker who drives to see various patients, or any person who might have to work at more than one location. Any named drivers other than the spouse will not normally be permitted to use the vehicle for business related mileage, and any commercial use relating to delivering goods or selling products will not be covered under this class of use.
Class 2 Business Use – This is similar to the above, with the main difference being that the cover extends to the policy holder and a named driver which can be either a business colleague or an employee working for the same company. Again, any commercial use relating to delivering goods or selling products will not be covered under this class of use.
Class 3 Business Use – This includes cover for the Policyholder for use of the car for Commercial Travelling purposes and Soliciting for Orders. This would therefore be the relevant class of use for those who use their vehicle for carrying goods or products, or providing a service, such as Sales Representatives or Door-To-Door Sales Agents.
All the above classes of use exclude use for hiring, commercial travelling or for any purpose in connection with the motor trade and use for racing, competitions, rallies or trials.
Do I need Business Use to commute to work?
If you are only commuting to the same place of work, then you do not need Business Use. However, if you are commuting to more than one place of work, then you would require Business Use.