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[I_want_an_Omega]

I've just seen references to Class 1 & 2 business use in the context of car insurance.

What do they mean exactly & is this a new categoristion or have I been asleep and missed something?

Thanks

[tunnie]

Stolen from the web:

Class 1.

Class 1 - Full business use by the policyholder and spouse - Excluding commercial travelling*
This is the type of cover, which would cover any employee, from Chief Executive to office junior, to travel to meetings anywhere in the country or even just to the bank once a week.

However, if the employee takes out the insurance, there may be restrictions such as a maximum annual mileage.

Class 2.

Class 2 - Full business use by the policyholder, spouse and other persons - Excluding commercial travelling*
It would be highly unusual to find an employee with this cover.
Class 3.

Class 3 - Similar to classes 1 and 2, but - including commercial travelling*

[I_want_an_Omega]

Stolen from the web:

Class 1.

Class 1 - Full business use by the policyholder and spouse - Excluding commercial travelling*
This is the type of cover, which would cover any employee, from Chief Executive to office junior, to travel to meetings anywhere in the country or even just to the bank once a week.

However, if the employee takes out the insurance, there may be restrictions such as a maximum annual mileage.

Class 2.

Class 2 - Full business use by the policyholder, spouse and other persons - Excluding commercial travelling*
It would be highly unusual to find an employee with this cover.
Class 3.

Class 3 - Similar to classes 1 and 2, but - including commercial travelling*

Thanks

[relluf]

Below are the five classes of car insurance:

    Social Domestic & Pleasure
    Social Domestic, Pleasure to include commuting (to a fixed place of employment)
    Class one business use
    Class two business use
    Class three business use

These five classes of car insurance exclude hire, both private and public, for which you will need specific hire car insurance under a commercial car policy.

 

    “There are some reports that suggest around 5 million cars are on the road insured but have the wrong class of use – effectively making them ‘uninsured’.” Steve Humphriss, director of UKCDT.

 

So what are these uses in lay terms?

Social Domestic and Pleasure. This is pure private use; no business use at all, not even to go to work.

Social domestic, pleasure to include commuting. This is the same as the above, but includes going to one place of work only. So if your employer asks you to go to another place of work – this can be other premises owned by your employer, the bank possibly, or to a training course – you are then using your car uninsured. The ramifications of this need not be rehearsed here.

So far so good. It’s all been relatively self-explanatory. But this is where it gets complex.

Class one business use. This includes all of the above plus, you personally (some insurers may include spouse here as well, not partner but spouse) may use the car for YOUR business. Not an employer’s business, but yours. Depending on the insurer, this may exclude carriage of goods and samples and may also exclude business calls made without a prearranged appointments – in other words what used to be called commercial travelling.

Class two business use. This is all of the above and is the main use for the company car market as this includes business use of the employer, such as going to see clients, going on a course, going to the bank or post office but again can exclude commercial travelling.

Class three business use. This embraces all of the above and includes commercial travelling (visiting clients, agents and the like without a pre-arranged appointment).

[Mr Skrunts]

Suprising how many people only have social, domestic and pleasure insurance.

Police could have a field day catching motorists on thier way to work in a morning.

and I am 100% sure that all the takeaway delivery lads have the proper insurance for thier part time fiddle jobs.