This includes travelling to different offices or across the country for work.

What does private business use mean on car insurance. Standard insurance policies cover social domestic and personal use meaning you and your vehicle are covered when you pop to the shop drive to a friends house or go to the cinema for instance. Each class providing a difference in the level of cover. Business use means a car that is used for social domestic and pleasure purposes being driven between your home and place of work and in the course of the business.

For someone who is really racking up the miles such as a travelling salesman. Class 1 use is when the car is being used for social domestic and pleasure purposes and for use by the insured andor spouse in connection with hisher business or occupation. These Business Use categories are referred to by different descriptions depending upon the insurance company.

If your business activities are covered by your personal car insurance policy or by the companys commercial insurance policy then you should be safe. Class 2 business car insurance policies tend to offer the same level of cover but will also cover a named third party for business use. For the most comprehensive cover for those who use their vehicle extensively for business travelling hundreds of miles a week and requiring multiple named drivers at the same level of cover class 3 business car insurance will be necessary.

Youre also covered for social domestic and. This applies for the main driver of that vehicle and their spousedomestic partner. The other more common types of insurance are social only or social and commuting.

However commercial insurance will need to be organised for cars used as mini-cabs private hire or for driving lessons as this is more of a specialist requirement. With something like carpentry or baking its fairly clear how this could affect your cover in terms of the risks and types of activities involved. Social onlymeans youre covered for everyday driving like going to the shops or visiting friends.

The most common descriptions are shown below-Business Class 1 Class A. If in doubt check with your insurer. This class of business insurance covers cars used for commercial purposes such as door to door sales.