Some Different Levels of Car Insurance Cover
Social, Domestic and Pleasure Cover
It covers only day-to-day activities like pleasure driving, visiting friends and family, taking the kids to and from school or events, doing the shopping and running errands.
Social, domestic, pleasure plus commuting cover is one of the most popular levels of insurance cover. Commuting cover is another level of cover which insures you for social, domestic and pleasure plus any driving you do to a single, permanent place of work. However, if you work in several different locations or have to travel to different worksites or to meet with clients you may not be covered, even with commuting added on.
Class 1 Business Use Cover (‘only you’ on our website)
Class 1 cover includes driving between different worksites or occasionally travelling to meet clients. Class 1 does not cover making deliveries or door-to-door sales, though. Your spouse may also be covered, depending on your policy.
Class 2 Business Use Cover (‘you and your spouse’ on our website)
Class 2 usually covers the policy holder and another named driver, even if they are not a spouse, this can include anyone who works for you. It typically covers the same types of activities as Class 1.
Also, if you have a joint policy with your partner and you need business use but they don't, you can usually have this noted.
Class 3 Business Use Cover (‘any named driver’ on our website)
Class 3 is great for salesmen doing a lot of travel or those with similar job duties. It covers delivering samples, but not actual commercial merchandise.