A vehicle used for both personal and business purposes needs to be insured for its actual use.

Do not assume a Private Motor policy automatically covers every type of business driving.

What business use might be accepted? #

Depending on the insurer, limited business use can include activities such as:

• Travelling to client meetings.
• Visiting different business locations.
• Sales appointments.
• Certain professional or administrative travel.

Insurer definitions vary.

What types of use can require Commercial Motor Insurance? #

Examples can include:

• Carrying tools or equipment regularly.
• Delivering goods.
• Courier work.
• Trade activities.
• Frequent site work.
• Carrying paying passengers.
• Heavy or specialised commercial use.

The appropriate policy depends on the insurer and actual activities.

What if I only use the vehicle for business occasionally? #

Tell Webber Insurance about the use.

Some insurers can accept occasional business use under a Private Motor policy, while others may apply different terms.

What happens if the vehicle use changes? #

Notify Webber Insurance if the vehicle moves from predominantly private use to regular business use.

The insurer may need to:

• Change the vehicle use classification.
• Amend the premium.
• Move the vehicle to Commercial Motor Insurance.

Why is accurate vehicle use important? #

The insurer assesses the premium and accepts the risk based partly on how the vehicle is used.

A material difference between the declared use and actual use can create issues when a claim occurs.