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its probably intentionally vague so the insurance companies can use it to their advantage
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I rang eSure yesterday, and apparently they don't make a distinction (and couldn't tell me what that distinction would be if they did) - as far as they are concerned, their policies include business class 1, which means you can do anything that's legal and falls within the use and weight limits of the vehicle.
They were happy to put that in writing, so I'm not going to worry about it until next year.
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their policies include business class 1, which means you can do anything that's legal and falls within the use and weight limits of the vehicle. They were happy to put that in writing,
Gordon: pleased to know your situationis sorted, but would you mind posting here what their letter says when you get it? I am interested to know because Esure's website says "8. What can I use my car for?
Your online cover allows use of your car for social, domestic and pleasure purposes, commuting to and from a permanent place of work and allows personal business use for you and your spouse, if named on the policy. You are not covered to use your car for commercial travelling, any purpose in connection with the motor trade, carriage of goods ... "
I understand that you have to phone them at the time of getting a quotation if your use differs from the standard set on the web site.
It is normally Class 3 that includes Commercial Travelling. Generally, most insurance companies define their classes of use in this manner:
"Class X
This class of use is for the policyholder and named drivers using the vehicle for social, domestic and pleasure use only. There is no commuting or business use included.
Use for social, domestic and pleasure purposes.
Excludes use for hiring, racing, pace-making, competitions (other than treasure hunts), rallies, speed testing or use for any business purpose or travel between home and a permanent place of business.
Any purpose in connection with the Motor Trade.
Class S
This class of use is for the policyholder and Named Drivers also using the vehicle for travelling to and from one permanent place of work.
Use for social, domestic and pleasure purposes including travel between home and a permanent place of business.
Excludes use for hiring, racing, pace-making, competitions (other than treasure hunting), rallies, speed testing or for any business purposes.
Any purpose in connection with the Motor Trade.
Class 1
This class of use is for the policyholder or spouse using the vehicle to travel to more than one place of work. Other named drivers only have social, domestic and pleasure use. Use for social domestic and pleasure purposes and by the insured and spouse in person in connection with his/her business or profession.
Excludes use for hiring, racing, pace-making, competitions (other than treasure hunts), rallies, speed testing or van and commercial travelling.
Any purpose in connection with the Motor Trade.
Class 2
This permits use of the vehicle in connection with the policyholder's business but excludes commercial travelling.
Use for social, domestic and pleasure purposes and for the business of the Insured and the Insured's employer or partner.
Excludes use for hiring, racing, pace-making, competitions (other than treasure hunts), rallies, speed testing or van and commercial travelling.
Any purpose in connection with the Motor Trade. Excludes commercial travelling.
Class 3
This permits use of the vehicle in connection with the policyholder's business including commercial travelling, this would include such occupations as salesmen.
Use for social, domestic and pleasure purposes and for the business of the Insured and the Insured's employer or partner.
Excludes use for hiring, racing, pace-making, competitions (other than treasure hunts), rallies, speed testing.
Any purpose in connection with the Motor Trade.
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It's heartening to see old words living on. I haven't heard the expression "commercial traveller" for years. They were the men who called carrying suitcases full of brushes or famously demonstrated hoovers by spilling some soot on your carpet. The more daring "travelled in lingerie", which didn't mean they were cross-dressers, but that they sold frilly knickers to women on afternoons when their husbands were out.
The last relic I know is a former hotel in Narberth which still proclaims that it caters for commercial travellers. They are all sales executives now.
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I've had nothing in writing from eSure, and having had my policy come through, it still excludes commercial travelling.
I've just phoned them, and having checked that the call was being recorded, had the discussion again.
They define commercial travelling as being for "hire and reward". Apparently using your car as a taxi service would count. So would using it for travelling sales "where cash was being taken at the point of sale".
They were completely clear that using it to visit customers on pre-arranged appointments, whether demonstration equipment was being taken or not, was absolutely fine so long as it wasn't a cash in hand deal.
So there you go. I'm quite pleased with the deal I've got, £200 cheaper than the lot I was with previously, more like £250 cheaper if you consider that they don't charge for the temporary additional vehicle during services.
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