A personal auto policy is unlikely to provide coverage however if the vehicle in question is used primarily in business.

Does my personal auto policy excluded business use. How do you use your vehicle. In consideration of these personal use rates the insured hereby declares and warrants that any vehicles insured by this policy isare not used in any business or for commercial usage in any way shape or form at any time. A commercial policy may be necessary if you use your vehicle for business purposes other than commuting to work.

Most of our policies automatically qualify for personal business use as standard at no extra cost. Most personal auto insurance policies will provide protection for vehicles titled to individuals and used for a business purpose. This applies for the main driver of that vehicle and their spousedomestic partner.

Use this checklist to help determine which type of policy fits your needs. Ad Come Direct To Direct Line For A Car Insurance Quote You Cant Get Anywhere Else. Using a BAC rather than a PAP may be a form of insurance fraud depending on the.

Emergency transportation eg using your personal vehicle as a tow truck Renting out your vehicle to others. According to most personal auto insurance policies an accident or loss in the process of business use is excluded. This is because there are types of use that are listed in the named exclusions portion of a policy.

Your personal auto policy provides coverage for some business use of your vehicle. Personal Use of Commercial Vehicles. Personal Auto Policy Number.

This type of cover doesnt usually include door-to-door sales work or deliveries where lots of stop-start driving is common. At policy inception an insured can answer truthfully that they do not use the vehicle for any business purpose but later begin to do so unaware of the restrictiveness of this type of exclusion. The only exception is livery.