Does what I use my bike for affect my insurance?
Yes, it could do. When you ask for a bike insurance quote, you’ll need to declare how you use your bike. The four main categories of use are:
Social, domestic and pleasure This covers day-to-day activities, such as visiting friends and family, and journeys made for leisure purposes.
Social, domestic, pleasure and commuting As above, but also includes commuting to and from your single permanent place of work. If you use your bike to get to a train station as part of your usual commute to work, then park it there, this is typically considered to be commuting and will be covered by your insurance.
Business use If you use your bike for work beyond just commuting, for example you travel between different offices or visit customers, you’ll need business bike insurance. Business use can be selected to include your spouse and/or additional riders.
Dispatch riding This will cover you if your main role at work is to deliver or pick up packages or documents.