What does 'use' mean in insurance?

The word 'use' in insurance means what you'll be using the vehicle for.

Choosing the level of cover you need isn't always easy, so have a look at the definitions of each type of use and some examples to help you.

Important to know:

The level of use you select also applies to any named drivers on your policy.

The only exception is 'Business use for policyholder', which applies only to the policyholder.

Named drivers on a policy with business use will automatically be covered for 'Social, domestic, pleasure and commuting' only.

This covers personal, everyday and non-work use, such as:

This covers everything that Social, domestic and pleasure does, but also includes:

Travelling to and from a permanent place of work (like an office)
Travelling to and from a train or bus station as part of your daily commute
Travelling to and from your boss or colleague's house as part of your daily commute
Travelling to and from your place of education

This covers everything that Social, domestic, pleasure and commuting does, as well as:

Driving to multiple work sites - for example, an estate agent visiting properties
In connection with the user’s business
Visiting clients or customers (this includes carers)
Using the vehicle to travel to work meetings/events

This covers your van for entirely personal, non-work and non-commuting purposes, such as:

This covers all social activities, as well as:

Travelling to and from a permanent place of work
Travelling to and from a train or bus station as part of your daily commute
Travelling to and from your boss or colleague's house as part of your daily commute
Travelling to and from your place of education.

This covers all social and commuting activities, as well as:

Driving to multiple work sites - for example, as a tradesperson
Carrying your own tools, equipment or materials between different work sites
Visiting clients or customers (this includes plumbers, electricians, builders and so on)
Using your van to travel to work meetings or events