What are the choices?
Typically, there are three choices when selecting a class of use:
1) Social, Domestic and Pleasure (SDP)
SDP includes using your car for everyday social driving. visiting friends, dropping off the kids at school, doing the weekly shop, all of these are covered under SDP.
Importantly SDP does NOT cover you for journeys to work. Even if the majority of your journey is by train, it doesn’t cover you for trips to and from the station.
2) Social, Domestic, Pleasure and Commuting (SDP+C)
You’ll probably not be surprised to hear, given the title, that SDP+C class coverage means that you’re insured for everything included in SDP plus your journey to and from work.
Be careful if you travel to a number of different offices around the country by car. Typically, only one place of work is covered under this type of cover. If you travel to a number of places you may well require the next level of cover.
3) Personal Business use (SDPC + Business Use)
This third class of cover includes everything in the first two, plus your business related driving. This could for example include travel to a company’s network of offices as well as to suppliers or customers.
Sometimes some insurance providers will ask for more details. This is in order for them to assess the amount of driving that you’ll actually be doing. From that they can work out the risk and your premium.
Please note that this class of cover doesn’t cover you for making business deliveries of any kind. You’re likely to need commercial cover if you’re carrying out this sort of thing.