What can I use my car for?
When you take out your insurance, you will need to tell us what you use your car for. We have three types of cover, these are defined below.
Social, Domestic and Pleasure (SDP)
With this type of cover, the insured car can be used by the named drivers for non-work-related driving only. Also known as social, domestic and pleasure use only.
This covers you for normal day-to-day driving, such as driving to visit family and friends or shopping or doing the school run.
Social, Domestic and Pleasure (SDP) is the minimum use we offer.
Social, Domestic and Pleasure (SDP) and Commuting
This provides cover as above for social, domestic and pleasure use, as well as for driving back and forth to a permanent place of work or study.
Travelling to a railway station en-route to work, where the car is parked, is classed as commuting. Dropping someone else off at their place of work is also be classed as commuting by your insurer.
Social, Domestic and Pleasure (SDP) and Business driving
If the car is being used in connection with work beyond simply commuting, you’ll need a level of business insurance cover, this is called ‘Class 1 Business Use’.
Business use by you — this covers all of the above, plus your business-related driving away from your normal place of work. This business use is only applicable for pre-arranged appointments and cannot be used for any other business use.
Business use by you and/or your spouse — this simply extends the cover provided for business driving to your spouse.