Use of Car Flashcards
What are the categories of use of the car?
SDP, SDP & commuting, SDP & business use
What does SDP stand for?
Social domestic & pleasure
What does SDP & commuting stand for?
Social domestic & pleasure and commuting
What does SDP & business use stand for?
Social domestic & pleasure and business use
What does SDP kind of use mean?
Only for social, domestic and pleasure purposes.
What is the default use of car given to all policy holders?
SDP
How is SDP and SDP & commuting different?
With commuting is included one permanent place of work.
If a customer is a mobile hair dresser what policy would they need for their use of car?
SDP & business use
If you have two places of work, what policy do you need for your use of car?
SDP & business use or sometimes if it’s very short hours part-time on top of a fulltime one during days SDP & commuting might be ok.
What happens if the customers car is used for their business or their employers business?
It will need to be referred to the underwriting team.
What are the restrictions to class of use in motor policies?
1) hire and reward (taxi)
2) racing, rallies, competitions and trials
3) motor trade
Will adding an additional driver affect the policy premium?
Yes
What are the 4 combinations of additional driver types in a policy?
1/ Policyholder only
2/ Policy holder & spouse only
3/ Policy holder & additional driver
4/ Policyholder & any driver
What information do we need on the additional drivers?
This applies to the spouse and additional driver policies. Not any driver (necessarily).
1/ Who is the main user?
2/ Names of all the additional drivers
3/ Their relationship
What is an “any driver” policy?
A policy that covers anyone (within reason) to drive a vehicle with the policyholder’s permission without them being named on the policy. There is criteria and conditions that apply though.