Which Classification Of Car Insurance Do You Need?

Many people may not even realise that there are a number of different “classification of uses” of car insurance and it is important that you are in the correct one otherwise your car insurance provider may not pay out in the event of an accident. Below we detail what each one covers that we trust will help you in selecting the correct one.

If, having read this, you believe that you are not in the correct one then you should contact your car insurance company straight away to discuss the matter.

Make sure that you are in the correct classification of use for your car insurance

Social only: This provides cover for social, domestic and pleasure purposes but does not provide any form of cover for travelling from home to work and back. It is often suitable for people that have retired.

Social and Commuting: This provides cover for social, domestic and pleasure purposes and also covers the policyholder plus any other driver that is covered by the policy for commuting from home and to one place of permanent work and back. So, for instance, if you drove your car from home to your office each day where you worked on a permanent basis you would be covered. It does not cover you for any business use nor to travel to different places of work.

Business class 1: This provides cover for all the above situations but also the policyholder is covered to use the car in respect of his or her profession or business. However, it would not cover any other driver for business use nor would anyone be covered for commercial travelling or selling.

Business class 2: This provides cover for all the above situations but also covers any named drivers for their business use. No cover is provided for commercial travelling or selling.

Business class 3: This provides cover for all the above situations but also covers any other drivers covered by the policy in respect of the policyholder’s business plus the policyholder’s employer’s business that could include commercial travelling or selling.

Hopefully, you have found the above useful.