The different classes of business car insurance
There are different classes of business car insurance, all of which also cover social, domestic and pleasure use.
Includes cover for driving between multiple places of work or occasional travel to meet clients. Occupations covered by Class 1 insurance typically include a care worker who drives to visit various patients. Class 1 doesn’t provide cover for making deliveries or door-to-door sales. Your spouse may also be covered, depending on your policy – check your certificate of insurance if you’re unsure.
Class 2 offers the same level of cover as Class 1, but will also include a named driver on the policy. Typically, most insurance providers will stipulate that the policy holder and the named driver must use the car for the same business. As in Class 1, deliveries or door-to-door selling are not covered.
Class 3 is appropriate if you drive a significant number of miles as part of your job – if you’re a salesmen, for example. It covers delivering samples, but not commercial merchandise. This tends to be the most expensive level of business car insurance as providers consider high-mileage drivers to be at more risk of having an accident and making a claim. Be aware, though, that Class 3 won’t cover you if you use your car for commercial purposes, such as a taxi or to make deliveries.