If the car is being used in connection with work, either to visit clients or more than one place of work, the client will need a level of business cover.

It is only the Regular Driver and Spouse who may have business use class 1. Business cover does NOT extend to cover any other named drivers on the policy, although the named drivers may still use the car for social, domestic and pleasure purposes.

Class 2 covers named drivers and the RD/Sp business use. The named drivers only have the business use cover when they are driving the car in connection with the business of the main driver, They do NOT have cover if they are driving for the business of a different employer.

Class 3 use provides business cover for the transportation of light goods, which have already been purchased, for example, pizzas or flowers. The driver who needs cover while selling services on a "door to door" basis will be covered by this option.

Note: Irrespective of whether or not the client is getting paid for the work that they do, they may require business use if they are either carrying passengers in the car or using the car to travel between places of work during the day.