When you get a quote with us, we’ll ask what you use the vehicle for. This will determine the kind of cover you get.
For car, your options when you sign up are:
Just social
(also known as ‘social, domestic and pleasure’, or SDP)
- Cover yourself, and any other drivers named on the policy, to drive outside of working hours. e.g to visit friends and family, go shopping, run errands, or travel. Anything that doesn’t involve work.
I drive to and from work
(Also known as ‘social, domestic, pleasure and commuting’, or SDPC)
- All the above, plus cover to commute to and from a fixed place of work. So if you travel to the same place every day (an office, a store, or anywhere else that doesn’t change frequently), this one’s for you
- We offer this as standard on all policies at no extra cost
I use it for work (Business Class 1)
(Cover for business use, also known as Business Class 1, 2 and 3)
- We only offer Business Class 1 for cars (which includes social use and commuting)
- Business Class 1 covers travel to and from multiple places of work
- Covers you, and a spouse or partner named on the policy for business use. All other drivers named on the policy will be covered for social and commuting only
- Does not cover courier or delivery drivers, people that carry work-related tools (like salespeople or tradespeople), or people who use their car during working hours
It’s a commercial vehicle
We do not offer Commercial cover - yet!
- Commercial use covers private hire taxis, driving instructors, couriers & delivery drivers
- If you use your vehicle for this kind of work, you’ll need to find cover with someone else (but check back in with us next year)
- If you use your vehicle for this kind of work without the relevant cover, we won’t be able to pay out for any claim. It may also count as an offence, and might count against you when you buy insurance in the future
For van, your options when you sign up are:
Just social
(also known as ‘social, domestic and pleasure’, or SDP)
- Cover yourself, and any other drivers named on the policy, to drive outside of working hours. e.g to visit friends and family, go shopping, run errands, or travel. Anything that doesn’t involve work.
I drive to and from work
(Also known as ‘social, domestic, pleasure and commuting’, or SDPC)
- All the above, plus cover to commute to and from a fixed place of work. So if you travel to the same place every day (an office, a store, or anywhere else that doesn’t change frequently), this one’s for you
- We offer this as standard on all policies at no extra cost
I use it for work (Carriage of own goods)
(Cover for business use, also known as Business Class 1, 2 and 3)
- Covers travel between more than one work location
- Covers transportation of work-related tools, goods and equipment
- Includes social use and commuting
- Covers all named drivers
- Does not cover courier or delivery drivers
- Does not cover loss or damage to work-related tools, goods and equipment
Haulage (Carriage of other people’s goods)
We do not offer Haulage cover.
