Classes of use: how they might affect your car insurance premium

Typically, there are three choices when selecting a class of use:

2. Social, Domestic, Pleasure and Commuting (SDP+C)

This class covers the same uses as SDP, and additionally includes your journey to and from work. 

Typically, only one place of work is covered. If you travel to a number of places for work you may well need the next level of cover. 

Why class of use matters

When an insurance provider calculates your car insurance, they will assess your risk of being involved in an accident. 

Commuting to work for example, could involve being on the roads at the busiest times, so you’d be exposed to more risk than if you were driving for purely social reasons.  

Similarly, if you’re up and down the motorways visiting different offices, you’re likely to be exposed to greater risk. 

For an insurance provider, the greater the risk, the higher the premium they will charge. For this reason, business class of use is going to cost more.