Carrying a laptop or tools does not by itself determine the class of use. The purpose of the journey is generally the more important factor.
How insurers commonly treat this
- Driving to one regular workplace can remain commuting even when work equipment is in the car.
- Travelling between jobs, sites or clients can fall within business use.
- Cover for the tools or equipment themselves is a separate issue from the class of motor use.
What the quotation may ask for
Quotation forms use the information supplied to determine which insurers can offer cover and on what terms. Where the available answer does not accurately describe the circumstances, the insurer or comparison provider can clarify how that information is recorded.