There are four main vehicle uses (sometimes known as class of use). You need to pick one based on what you'll use your vechicle for:
- Social, Domestic and Pleasure (SDP): casual, everyday use of a car. This can include going to the shops and visiting friends or family.
- Social, Domestic, Pleasure, and Commuting (SDP + C): this is the same as SDP but also means you're covered for trips to a single workplace.
- Personal Business Use: for those who drive to lots of places away from your permanent place of work, (not including delivery drivers) e.g. if you travel to lots of different offices on a weekly basis. This also covers SDP + C.
- Commercial use: when a vehicle is used for door to door or travelling sales.
The cost of your policy will depend on which one you choose. This is because how you use your vechicle could change how likely you are to have an accident. For example, if you get SDP + C, you’ll likely be travelling at busy commuter times where the risk of an accident may be higher.