Car Insurance For Business Use Class 1
Like regular vehicle insurance it offers three levels of cover third party third party fire and theft and comprehensive insurance.
Car insurance for business use class 1. Commercial car or vehicle insurance is used for taxis trucks delivery vans and business fleets. Business use car insurance comes in several different classes depending on what level of cover you need. Business car insurance policies fall under the following classes. If you re using your car as part of your job to drive to other sites as well as your usual place of work this counts as business use class 1.
Much the same as class 1 but covers you the policy holder and a named driver. It covers you to drive wherever your work takes you. What s business car insurance. Class 1 business use.
Class 1 use covers an annual business mileage of up to 1 000 miles 1 600 kilometres paid or up to 2 000miles 3 200 kilometres unpaid. Covers your car if you use it to drive between multiple work locations or to visit clients or customers. Using your car to commute to the office doesn t count as work or part of your job. You use your car to drive to places for work for example such as switching between sites.
Class 2 business car insurance. Business car insurance commonly referred to as a business use covers your own car when when your job requires you to use it for work purposes. Get a quote from direct line. It s not the primary use of the car but nevertheless requires a slightly higher level of cover.
Standard car insurance covers things like social trips and commuting. It s also usually the cheapest class of business car insurance. The class of use tends to have a bearing on the risk perceived by insurers and could affect the premium you pay. Class 2 business use expands from class 1 business insurance to include additional named drivers on the policy that are usually part of the same business as the policy holder.
Business car insurance class 1. It doesn t include commercial use such as deliveries or door to door selling. Business car insurance provides cover for business use other than commuting. For example a business user may be seen as a greater risk than a purely social and domestic user.
As a general rule the more you use your car for business the higher the class of policy you will need. Usually your spouse will also be covered for business use class 1 car insurance but no other. When getting a car insurance quote you ll be asked about the class of use you need that is what you ll be using the car for. Class 1 use is when the car is being used for social domestic and pleasure purposes and for use by the insured and or spouse in connection with his her business or occupation.
But if you use your car to drive to different offices or visit clients you need business car insurance.
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