Business Use FAQs

You are covered to use your car for social, domestic and pleasure purposes, including travel to and from work. Business use (Class 1 and Class 2) is available but must be specifically requested.

Class 1

Class 1 use is when the car is being used for social, domestic and pleasure purposes and for use by the insured and/or spouse in connection with his/her business or occupation. Class 1 use covers an annual business mileage of up to 1,000 miles/1,600 kilometres paid or up to 2,000miles/3,200 kilometres unpaid.

Class 2

Class 2 use is when the car is being used for social, domestic and pleasure purposes and for use by the insured and/or spouse in connection with his/her business which is not covered by Class 1 (i.e. more than 1000 miles/1600 kilometres per year). The maximum mileage covered per year under Class 2 is 10,000 miles/16,000 kilometres.

We do not cover Commercial Vehicles on a permanent basis on Private Car policies.

We will, however, do a temporary substitution to a van on a private car policy for a maximum of 48hrs –the vehicle must be used for Social Domestic & Pleasure only, e.g. for moving house. An additional premium of €64 applies for the first 24 hours and an additional €32 applies for any additional time up to a further 24 hours.