If in doubt check with your insurer.

What does use for private business mean on car insurance. Class 2 Business Car Insurance. Each class providing a difference in the level of cover. If you drive to different places as part of your job and not just to and from the office youll need to take out business car cover.

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. Classes of use available on insurance policies include social only social plus commuting and business use. For extra business driving protection class 2 includes named drivers on your policy.

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. Business car insurance policies fall under the following classes. For someone who is really racking up the miles such as a travelling salesman.

Whats business car insurance. This immediately increases the risk of accident and therefore the risk of the insurer having to pay out on a claim. This type of cover doesnt usually include door-to-door sales work or deliveries where lots of stop-start driving is common.

Employers liability insurance Anyone who has employees even if this is just one person who works for you part-time will need employers liability insurance. The most common descriptions are shown below-Business Class 1 Class A. Unfortunately we cannot cover business use for chauffeurs taxi drivers driving instructors or parceltakeawayfast food delivery drivers if they are using the insured vehicle in connection with their occupation.

Recommended by 938 Of Users. As a general rule using your car for business in the ways suggested above means that you will almost certainly rack up a significantly higher mileage than you would for personal use. All normal rules of conventional motor insurance apply to business car insurance policy particulars.