Car Insurance For Business And Pleasure

Commuting 30 miles each way to work on a daily basis will put a lot of wear and tear on your car much faster than the occasional grocery shopping trip or beach day.

Car insurance for business and pleasure. Let s explore the ins and outs of these policies and evaluate some car insurance premiums from popular providers. On average a pleasure use car insurance policy costs 11 less per year than a commuter policy. Social domestic and pleasure. Class 2 business use.

Best to check when you get your quote. This covers normal day to day driving such as shopping visiting friends and going on day trips but it doesn t include commuting. Rates for this type of coverage is primarily dependent upon how much you re driving the car. Grants the same coverage as class 1 but allows you to add a named driver a co worker who will also be insured to drive the same car.

You would choose pleasure as the primary use of your vehicle if your driving doesn t include driving to and from work. Specialty car insurance carriers know the business of classics and other vehicles listed. What does business car insurance cover. Commercial car or vehicle insurance is used for taxis trucks delivery vans and business fleets.

Business use by you this covers all of the above plus your business related driving away from your normal place of work. You may also qualify for a pleasure use car. Covers long distance driving as part of your business use. Car insurance companies do offer a different premium rate if you drive your car for pleasure versus commuting daily to work.

Usually your spouse will also be covered for business use class 1 car insurance but no other named driver. Business car insurance class 3. Most frequently pleasure use car insurance policies are for sports cars or classic cars that are only driven on the weekends or for road trips. Getting a car insurance policy for pleasure only means that you do not use your car at all for commuting to or from work or school.

It s likely to be a little more expensive. Business car insurance class 2. Like regular vehicle insurance it offers three levels of cover third party third party fire and theft and comprehensive insurance. Pleasure and commuting car insurance policies are the most common vehicle use options.

This is much the same as class 1 business insurance but it generally covers you the policyholder and a named driver in connection with your business. A car insurance company asks the primary use of a motor vehicle as part of the application since typically how you use your vehicle is one of the main rating factors of your policy. Here are the basic classes.