Vehicle Use Definitions

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To help ensure that you select the correct use required when driving your vehicle at any time during the policy period, below is a generic summary of each use available. Actual specific inclusions and exclusions will be shown in your Policy Booklet, Schedule and Certificate.

  SOCIAL DOMESTIC AND PLEASURE (SDP) ONLY
This is when you use the car just for general day to day appointments, visiting family and friends, shopping.

   SOCIAL, DOMESTIC, PLEASURE & COMMUTING (SDP&C)
Includes the above but also includes commuting to and from your single permanent place of work.

   PERSONAL BUSINESS USE
Includes the above but also includes business use. Business use is travelling to and from more than one location for business purposes. Business use can be selected to include your spouse / additional drivers.

   CARRIAGE OF OWN GOODS
Includes the above but also covers the tools of your trade or trade samples that you may use in connection with your occupation

  COMMERCIAL TRAVELLING
includes the above but aimed at drivers that use their car for commercial purposes such as making deliveries or making direct sales from goods carried on your vehicle. Generally, if you receive a remuneration for the purpose of the journey then it can be classified as commercial travelling.