How Much Does Car Insurance Cost? How You Use Your Car Makes All The Difference

In order to calculate the lowest insurance premiums for your car, the broker takes into account how you will use it and rates your vehicle use in one of four categories. These are as follows:

Social, domestic and pleasure

This means that you use the car primarily for normal day-to-day journeys, such as going shopping, visiting family and friends, doing the school run, etc.

Commuting

This is the driving to and from the normal place of work and takes into account parking your car at a railway station.

Business use

This means the use your car for your job, if you have to drive between different offices or sites away from your normal work base.

Commercial travelling

As an example, a driver who uses their car for such as door-to-door sales would fall in to this category.

When comparing & arranging your car insurance quote it is important to give accurate information to your insurance broker. If you don’t and have an accident - for instance, on the way to a business meeting when you only have cover for commuting - your insurer would refuse to pay out. If you are likely to make such journeys occasionally, your broker will be able to add the appropriate level of business driver insurance cover.

If you change your job and, as a consequence, your car use, and have any doubt that this may have a bearing on your insurance cover, you must let your broker know immediately. Indeed, this is the case with all facts material to your insurance policy. It may well be that the change in your car use has no impact at all on your level of cover and premium. Then again, undeclared changes in circumstances could affect the validity of your policy and any claims you may make, so for the sake of a phone call it’s best to be on the safe side.

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