20/05/2026
Drivers can use their vehicle for a multitude of different purposes, from travelling to the local shops and driving to and from a workplace to dropping off the children at school etc. Insurance companies condense these uses into specific โClasses of Useโ to enable them to charge the appropriate premium for the usage of the vehicle.
The motor insurance premium will therefore depend, in part, upon which of the Classes is needed. It is hugely important to choose the correct Class of Use to ensure you have the cover you need. Failure to obtain the correct cover could result in claims not being met and/or policies being voided.
Listed below is an explanation of the various options available but, if you are unsure of which Class of Use you need, you should always seek the advice of your insurance company or broker as to specific policy wordings.
Drivers can use their vehicle for a multitude of different purposes, from travelling to the local shops and driving to and from a workplace to dropping off the