Class of use: What does it mean?

Class of use covers how you intend to use your car. There are three groups: Social, Domestic and Pleasure (SDP), Social, Domestic, Pleasure and Commuting (SDP+C), and Personal Business use (SDPC+Business use).

Class of use: The long answer

Class of use refers to the specific purpose for which a vehicle is being used in the UK. It helps in determining the type of insurance coverage required for the vehicle. There are different classes of use that drivers can select based on their intended use of the vehicle.

Social, Domestic, and Pleasure (SDP): This class of use is for private vehicles used solely for personal purposes, such as commuting to work, shopping, or leisure activities. It does not cover using the vehicle for business purposes.

Commuting: This class of use includes all the elements of SDP but also covers regular commuting to a single place of work. It is important to note that it does not cover using the vehicle for any other business-related activities.

Business Use: This class of use is for vehicles used primarily for business purposes. It covers the vehicle being used for business-related activities like visiting clients, attending meetings, or making deliveries. However, it may not cover using the vehicle for hire or reward purposes, such as taxi or courier services.

Commercial Travelling: This class of use is specifically for vehicles used for commercial travelling, such as sales representatives or delivery drivers who travel extensively for work purposes. It covers using the vehicle for business-related activities and may also include carrying samples or goods.

Haulage: This class of use is for vehicles used in the transportation of goods for hire or reward. It is suitable for trucks, lorries, or vans used for commercial purposes, such as transporting goods for others.

Choosing the correct class of use is crucial as it ensures that your insurance policy accurately reflects your vehicle's usage. Failure to select the appropriate class of use may result in your insurance being invalidated, leaving you without cover in the event of an accident or claim. Therefore, it is essential for UK drivers to understand and select the most appropriate class of use based on their intended use of the vehicle.