Driving to a client or other business location is generally different from ordinary commuting and may fall within business use. Insurers define their business-use classes differently.

How insurers commonly treat this

• Commuting normally relates to travel between home and a regular workplace.
• Class 1 business use commonly covers certain work-related journeys by the policyholder, but definitions vary.
• Deliveries, hire and reward and carriage of goods can require different cover.

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.