Do I need to select business use on my car insurance policy?

Most of our policies automatically qualify for personal business use as standard at no extra cost. This applies for the main driver of that vehicle and their spouse or civil or domestic partner.

Unfortunately, we cannot cover business use for chauffeurs, taxi drivers, driving instructors or parcel/takeaway/fast food delivery drivers if they are using the insured vehicle in connection with their occupation.

Please see below a list of the different options and what each of these covers:

• Social, Domestic & Pleasure Only (SD&P)
  This excludes any travel to and from work or other business use

• Social, Domestic & Pleasure plus commuting
  This cover allows all named drivers to travel to and from a single place of paid employment. Where any driver has more than one occupation, cover may extend to one specified location for each occupation. This cover does not include travel between multiple places of work within the same occupation

• Personal Business Use
  This covers all the above plus extends cover to the main driver and their spouse or civil or domestic partner to drive to different locations of work in the same day

• Employer's Business use
  This covers all the above plus extends cover to any named drivers to drive in connection with the personal business of the main driver and any business of their spouse or civil or domestic partner

If you need to add Employer’s business use, or check what is covered please contact us.