Does my car insurance cover me to drive to work?

Most insurance policies will cover you when you drive your car to make a business delivery. However, there is an exception to this. If the delivery of goods or people comes with paying you a fee to drive, your personal vehicle insurance company will invalidate the coverage.

Can I drive to work on my car insurance?

Most insurance policies only apply when commuting to one place of work – and going out of your way to drop off a friend or family member could mean you’re not covered. Any diversion from your normal route could give your insurer a way to wriggle out of a claim – especially if you were knowingly doing so.

Am I insured if I use my car for work?

Commercial car insurance covers people who use their car as an integral part of their job – such as taxi drivers, delivery drivers or driving instructors. If you have a company car, it’s likely you won’t need business car insurance as it should be insured by the company.

Does my personal car insurance cover me for business use?

Personal auto insurance policies typically exclude many business uses. A commercial policy may be necessary if you use your vehicle for business purposes other than commuting to work.

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Does commuting to work affect car insurance?

You may have to pay more to continue commuting

The cost of premiums and the additional cost of commuting cover will depend on your insurer. But typically either increasing your mileage or adding commuting cover will push up prices.

What is classed as commuting?

Commuting. Commuting is the next class up, and covers everything included in Social, Domestic and Pleasure, plus driving to and from one place of work in a day. Driving your car to the train station and leaving it there while you go to work counts as commuting for some insurers.

Does business use cover commuting?

Business use does not include cover for Commercial Travelling, Deliveries or any form of Courier use. We cannot provide any form of business use for additional drivers but we may be able to extend cover to include commuting to a single place of work or study.

Can anyone drive business insurance?

Business car insurance is like regular car insurance, except it also covers certain aspects of work-related driving. … You can even cover someone else to drive your car for your business. Business car insurance is not for company-owned cars (they should be covered by commercial vehicle insurance).

Does social domestic and pleasure include driving to work?

Social, domestic and pleasure: this covers driving to visit friends, go shopping, travel on day trips or holidays, and other day-to-day driving trips. It doesn’t cover driving to work.

What is occasional business use insurance?

Occasional business use motor insurance enables schools to cover those ad-hoc occasions when employees or authorised voluntary helpers (including parents or guardians of pupils attending the school) are required to use their own cars on school business.

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