Can I use my car for business use?

Class SDP
This class of motor vehicle use is for the policyholder and Named Drivers only using the vehicle for social, domestic and pleasure. Commuting or business use is not included and all claims rendered during the vehicle is used for business use will not honoured. Exclusions include, racing, pace-making, competitions (other than treasure hunts), rallies, speed testing or use for any business purpose or travel between home and a permanent place of business.

Class S
This class of motor vehicle use is for the policyholder and Named Drivers using the vehicle for travelling to and from one permanent place of employment. Use for social, domestic and pleasure purposes including travel between home and a permanent place of business is also included. This class of motor vehicle use excludes use for hiring, racing, pace-making, competitions (other than treasure hunting), rallies, speed testing or for any business purposes.

Class 1
This class of motor vehicle use is for the policyholder or spouse using the vehicle to travel to several places of employment. Named Drivers are provided with only social, domestic and pleasure use only use cover. Use for social domestic and pleasure purposes by the Insured (and Spouse)* in person in connection with his/her own business or profession. Excludes use for hiring, racing, pace-making, competitions (other than treasure hunts), rallies, speed testing or commercial travelling.

Class 2
This class of use is for the policyholder using the vehicle to travel to more than one place of work. Spouse and Named Drivers also have this cover only when using the vehicle in connection with the policyholder business. Use for social, domestic and pleasure purposes and for the business of the Insured and the Insured's employer or partner. Excludes use for hiring, racing, pace-making, competitions (other than treasure hunts), rallies, speed testing or commercial travelling.

Class 3
This class of use is for the policyholder using the vehicle to travel to more than one place of work and includes commercial travelling. Spouse and Named Drivers also have this cover only when using the vehicle in connection with the policyholder business.

This would include such occupations as salesmen or someone who may 'coldcall' to solicit orders other examples would be researchers. Use for social, domestic and pleasure purposes and for the business of the Insured and the Insured's employer or partner. This form of cover, excludes use for hiring, racing, pace-making, competitions (other than treasure hunts), rallies, speed testing.