Types Of Car Insurance Policies
When you apply for a UK car insurance policy it is important that you are clear about the type of use for which you need to be covered. Your type of use will influence your car insurance premiums, with domestic use customers receiving the most preferable rates. Here we have tried to outline the three main categories usually used by UK car insurers in order to distinguish between types of use.
Private use
Private use insurance is for people who use their vehicle solely for domestic and leisure purposes. If you use your car to commute to work then this type of policy will not be available to you. If you fall into this category of driver then you should benefit from discounted car insurance premiums.
Private and commuting use
This popular type of car insurance is suited to people who use their cars for both leisure and commuting purposes. Remember that even if you use your car for only part of a journey to work, say a drive to the train station, you will still need a policy to cover you for both private and commuting use.
Business use
This type of cover usually generates the more expensive premiums and is required by people that use their vehicle for work purposes other than commuting. This might mean visiting clients or making deliveries. Commercial insurance is very varied, so it is important to discuss your precise needs with your insurer.