There are 5 different use options available for each car on the policy.

Generally the more the client uses the car, the higher the risk becomes. The client must indicate for what use they will use the car for the operator to allocate the correct use.

Private Use
Private, no commuting use is often referred to social, domestic and pleasure use. This use is given to clients who are not in gainful employment i.e. retired, students, unemployed, or housewives.

Private and Commuting Use
Commuting use is defined as the use of the car to travel to and from a place of work. This definition includes the travel to connect with other forms of transport, to get to and from a place of gainful employment. For example, commuting to the train or bus station. Students with part-time jobs are considered to be in gainful employment and require private and commuting use.

Business Use
If the car is being used in connection with work, either to visit clients or more than one place of work, the client will need a level of business cover.

Class 1
It is only the Regular Driver and Spouse who may have business use class 1. Business cover does NOT extend to cover any other named drivers on the policy, although the named drivers may still use the car for social, domestic and pleasure purposes.

Class 2
Class 2 covers named drivers and the RD/Sp business use. The named drivers only have the business use cover when they are driving the car in connection with the business of the main driver, They do NOT have cover if they are driving for the business of a different employer.

Class 3
Class 3 use provides business cover for the transportation of light goods, which have already been purchased, for example, pizzas or flowers. The driver who needs cover while selling services on a "door to door" basis will be covered by this option.

Note: Irrespective of whether or not the client is getting paid for the work that they do, they may require business use if they are either carrying passengers in the car or using the car to travel between places of work during the day.

As in the ‘Details of Cover’:

Uses for which the car is insured

There will be no cover if the car is used in connection with the motor trade. Any cover you have for loss or damage to your car continues while the car is being repaired or serviced by a member of the motor trade or being parked by an employee of a hotel or restaurant.

The Regular Driver
The Regular Driver is the person who drives the car the most. You can insure more than one car, each with a different Regular Driver. The Regular Driver earns the NCD entitlement.

Named Drivers
A named driver is any other driver named as a driver on the policy. Named drivers need not live at the same address as the client but they will be fully underwritten in order to establish the acceptability and premium.