Retirement status and vehicle use are separate underwriting questions. If the car is used for paid work journeys, the purpose of those journeys can affect the class of use required by the insurer.

How insurers commonly treat this

• Travel to one regular workplace can be commuting.
• Travel to clients, different sites or work appointments can fall within business use.
• The occupation description and the class of use both need to reflect the actual circumstances.

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.