Motorists can invalidate their cover if they fail to have the correct class of use.
Class of use refers to what tolerances and restrictions certain policies have, essentially what you’re allowed to use your car for.
If you chose the wrong class of sue when applying or if your circumstances change and you are required to have a different type of cover you could see your cover become void.
Here is a breakdown of what each class of use is and what restrictions apply.
There are four main categories for class of use, which are:
- Social, Domestic and Pleasure
- Commercial use
Matt Oliver, from GoCompare car insurance, said to Express.co.uk : “Class of use refers to what you use your car for on a day-to-day basis. It’s crucial you’re declaring the correct class when taking out a car insurance policy, as it will have a significant bearing on your premium.
“For instance, if you only use your vehicle to visit family and friends or to go shopping, you’re deemed a lower risk driver.
“However, if you use your vehicle for both social and business use or commercial travelling, you will probably face a higher premium, as you’re considered at greater risk of making a claim due to time spent on the road or cost of replacing the goods you carry.
“Honesty is always the best policy when taking out car insurance, otherwise you could risk invalidating your policy and having a claim rejected.
Social, Domestic and Pleasure
This type of premium is strictly reserved for all non-work related driving. It permits activities such as driving to the shops or picking your children up from school but must not be used for commuting.
This type of premium allows all the other casual inclusions as social, domestic and pleasure but will also cover you when driving to work. It will also cover you when you need to commute to a train station, where your vehicle will be parked for the day.
One thing motorists may need to check up on is whether or not the policy allows you to take your spouse to and from work.
Certain policies restrict motorists from taking their partner to and from work, so it is worth checking because you may invalidate your cover as a result.
Business cover is perhaps the most complex of the three. It allows for all the other things as the Commuting and Social, Domestic, Pleasure policies but also any business-related driving.
If you need to drive regularly to meet a client or travel to other adducers across the country for meetings then this premium would cover you. However, it does not cover you to jobs when driving is a permanent element such as delivery.
Commercial premiums refer to motorists who have jobs where driving is a permanent element of it. For example, taxi drivers or delivery drivers would need a commercial use premium to ensure they were appropriately covered.