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Car insurance is a legal requirement in the UK and NI. Driving without the correct type of car insurance can led to disqualification, fines and penalty points. The legal minimum is third party cover. The most common and cheapest type of cover is SDP (Social Domestic Pleasure). These types are referred to “class of use” and simply means the intended use. It is important to provide any preselective insurance provide the correct information and if you later intend to change usage, example from SDP to SDP and business use you are obliges to inform your insurance provider in advance. Failure to do so, can equate to driving without insurance.
What are the different car insurance classes of use?
1. Social, Domestic and Pleasure (SDP)
This is simply everyday driving, going to the shops, dropping the kids to school, social and leisure outings are some typical examples
2. Social, Domestic, Pleasure and Commuting (SDP+C)
This is the next most requested usage cover and includes SDP plus allow you to commute to and from work. Please note, if your work entails visiting clients, then you most likely need the next level of usage cover that includes business usage.
3. Personal business use (SDPC + business use)
The third level of cover includes the above two, plus business usage, The business usage is split into 3 sub levels as details below.
- Class1 Business Usage : Required if you will be using your car for business purpose, example travelling or visiting clients. The opposite of just travelling to work and home from work.
- Class 2 Business Usage : An extension of class 1 business use that allow an additional driver to use the vehicle for business purposes.
- Class 3 Business Usage : If you are using your car or vehicle extensively for business use, then this level of cover be required. Your broker can advise you further. A sales rep would be a good example of the type of job that would need this type of extended business use cover.
- Commercial Use : this type of cover is required if you are using your vehicle to perform your job, examples include taxi and private hire drivers, chauffeurs, and delivery drivers
Did you know? COVID-19 changed the way we shop with a surge in buying online with doorstep delivery. This in turn has led to demand for delivery drivers from firms like Amazon, Just eat and Deliveroo. Before taking a delivery gig, make sure you have the correct level of cover, SDP will bot cover you for courier work.
Temporary Car Insurance
Temporary car insurance has always been in demand, but it is not until recently that it has become widely available. Popular products include temporary car insurance for drivers under 21 and 24 hour van insurance, both available with Goshorty Insurance.
What impacts the cost of car insurance in the UK?
The price of pay monthly car insurance in the UK and NI will mostly depend on the driver and the car to be insured. We will look at factors about you (the driver) that will play a pivotal role in determining your final annual or monthly premium
Taxi drivers may be able to get a cheaper taxi insurance quote by taking measures to improve safety. Safe driving should also result in a driving record with few or no claims, leading to future no claims discounts. A clean driving record plays a significant role in calculating cost of cover. Additionally, take time to compare options from multiple providers of taxi insurance. Sites like Multi Quote Time are able to provide access to taxi insurance providers.
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*51% of consumers could save £523.47 on their Car Insurance. The saving was calculated by comparing the cheapest price found with the average of the next six cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from August 2024 data. The savings you could achieve are dependent on your individual circumstances and how you selected your current insurance supplier.
- Updated: 25 Nov 2024
- Reviewed by Eamonn Turley Insurance Expert