Overview of Business Car Insurance Classes
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Class 1 Business Car Insurance:
- Extends beyond regular commuting and personal use, encompassing travel to various work locations like meetings and job sites.
- Can include a spouse or partner, but only if their travel is business-related for the primary policyholder.
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Class 2 Business Car Insurance:
- Provides the same coverage as class 1 but allows you to add a co-worker as a named driver, so they’ll also be insured to drive the car.
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Class 3 Business Car Insurance:
- Covers long-distance driving as part of your business use.
- Suitable for individuals who clock up a lot of miles in their car without using it for commercial purposes, such as door-to-door salespeople transporting products.
Differences Between Personal and Business Car Insurance
Car insurance for business use is categorized into three classes: Class 1, Class 2, and Class 3. Each class serves a distinct purpose, making it crucial to select the appropriate one based on your specific needs and usage.