Insurance

Question 1

When would you need ‘commercial vehicle insurance’ as opposed to business or personal?

Answer 1

Commercial is for taxi, delivery drivers, or driving instructors, where the vehicle is an integral part of the job - so if you are purely delivering/carrying people or goods, that being the core of the job.

I work as a professional delivering my services, i’m using tools, which i carry with me, but i’m not delivering products.

Question 2

When do you need business cover?

Answer 2

if you are using your vehicle for business over and above commuting to one site:

1) regularly driving to multiple sites;
2) doing large mileage in small amounts of time;
3) carrying clients around;

Question 3

Why is business cover more expensive?

Answer 3

1) doing more miles
2) driving in rush hour
3) driving in unfamiliar territory
4) parking in unfamiliar and potentially unsecure territory/ locations.

Question 4

How is business cover priced?

Answer 4

There are 50 vehicle brackets - as you go up the group based on things like engine size, the price goes up.

Question 5

What are the 3 classes of business cover?

Answer 5

Class 1: insuring yourself and perhaps spouce (but only for standard non-business usage)
Class 2: insuring 2 drivers for business cover;
Class 3: insuring 3 or more drivers for business cover.

Question 6

Does commuting count as ‘business usage’?

Answer 6

No - and indeed many policies including commuting as part of their standard policy with domestic/ personal use.

Question 7

You have to give the insurer an estimate of mileage - where can I find my car’s mileage history?

Answer 7

On my last MOT certificate or online on the gov site:
(which appears to show the last 4 year mileage)
https://www.check-mot.service.gov.uk/