Insurance Classes of Use Explained

In this guide

When applying for a car insurance premium, one question you’ll always be asked is how you plan to use the vehicle. This question determines your vehicle’s class of use, which plays a big part in deciding how much your insurance will cost. 

When asked about your planned car usage, you must be accurate and honest to get insurance that covers you adequately. Here’s a look at the different classes of use and how much they’ll cost. 

What are the different Insurance Classes of Use? 

Insurance providers typically use six different use classes to categorise your vehicle to determine how much your premium should cost. These different categories are: 

Social only 

Also known as social, domestic, and pleasure, this class covers all driving unrelated to work. This means that your car is only used for things like shopping journeys, day trips, and visits to family and friends, to name just a few examples.

In fact, social only is pretty generous and covers you for any instance where you’re not commuting to and from work. 

If you think you’re vehicle is going to be used even once for a trip to your place of work, then you’re going to need a different class. 

Social and commuting

This insurance class of use is an extended version of social only, including cover for the same scenarios in addition to cover for a single place of work. This class of use is perfect for drivers who drive to and from their office and also want to use the car for social activities. You’re also covered if you drive the car to a train station and then complete your commute on a train. 

This type of cover is only suitable for those with one place of work and for those that don’t drive long distances to get to their job. You may need to get a different class of use if you spend more time in your car for work. 

Class 1 Business

Class 1 business is a more comprehensive business-orientated insurance class, covering drivers for their commute and business trips. For example, if you have one dominant place of work but need to drive to a different site for meetings, this type of insurance class of use suits you. 

This insurance class also includes the cover included in social only, which is why it’s one of the most popular insurance classes of use that people get. 

Class 1 business won’t provide adequate cover for workers doing a lot of stop-start driving, such as mobile sales workers or delivery drivers. For this, you’ll need a different insurance class of use. 

Class 2 Business 

The class 2 business insurance class of use is an elevated version of class 1, allowing you to include named drivers in the policy. This means that you can add co-workers to the insurance. Although useful, this type of insurance class of use can’t be used if you’re looking to insure your spouse, who works at a different business. This is because all named drivers need to work at the same company as the policyholder. 

Class 3 Business 

This insurance class will be allocated to those who use their car a lot as part of their job, such as delivery drivers or workers who have many clients they need to visit at their location. 

This insurance class covers long-distance driving and even light goods transportation, provided it’s part of your job. This insurance class of use will not cover you if transporting personal household items, for example. 

Some job roles still may not suit class 3 businesses, as they use their cars too often. These professions, like taxi drivers and driving instructors, will need an even more comprehensive insurance class of use. 


Many people confuse the commercial class of insurance with class 3 business because the areas they cover cross over. To help differentiate from them, commercial class is only used for those who depend on the vehicle solely for their job. For those in this class, the car isn’t just a way to get to their job; it instead serves an essential function of what they do. 

This type of insurance class is ideal for those travelling long distances daily for deliveries or taxi drivers and driving instructors. 

How much does each class of use cost? 

To help illustrate how much each insurance class of use affects your overall insurance cost, here’s a table of the average price of an annual plan for each type of insurance use, with information obtained from

Class of UseAverage Insurance Cost
Social Only £710
Social and Commuting £688
Class 1 Business£472
Class 2 Business £371
Class 3 Business£572
Commercial £1,109

As you can see from the table, the cheapest class of use is typically for business purposes. This is because cars used in this way are at less risk of accidents and maintenance issues because they’ll be used less often than cars used for social and commuting purposes. 

Although you may be able to save money on your insurance by declaring a different class of use, doing so could lead to you being underinsured. This means that your insurance provider could refuse your claim. This is why it’s critical to be accurate when declaring your class of use. 


The insurance class of use you’re under when getting your premium is one of many modifiers determining how much your annual policy will cost. These classes of use are essential in figuring out how the vehicle will be used, so it’s vital that you don’t lie and are accurate with the information you give. 

To ensure that you’re appropriately insured, you want to be classified in the right insurance class of use. By knowing the differences between each class, you’ll be able to figure out which is right for your specific situation, ensuring that you’re not over or underpaying for your insurance.

No matter what your vehicle is used for, check that it’s in the correct class of use so that you can claim if anything goes wrong. 

Alexander Thomas
Alexander Thomas
We use cookies to personalise content and ads, to provide social media features and to analyse our traffic. We also share information about your use of our site with our social media, advertising and analytics partners.
Cookies settings
I agree
Privacy & Cookie policy
Privacy & Cookies policy
Cookie name Active

Privacy Policy

What information do we collect?

We collect information from you when you register on our site or place an order. When ordering or registering on our site, as appropriate, you may be asked to enter your: name, e-mail address or mailing address.

What do we use your information for?

Any of the information we collect from you may be used in one of the following ways: To personalize your experience (your information helps us to better respond to your individual needs) To improve our website (we continually strive to improve our website offerings based on the information and feedback we receive from you) To improve customer service (your information helps us to more effectively respond to your customer service requests and support needs) To process transactions Your information, whether public or private, will not be sold, exchanged, transferred, or given to any other company for any reason whatsoever, without your consent, other than for the express purpose of delivering the purchased product or service requested. To administer a contest, promotion, survey or other site feature To send periodic emails The email address you provide for order processing, will only be used to send you information and updates pertaining to your order.

How do we protect your information?

We implement a variety of security measures to maintain the safety of your personal information when you place an order or enter, submit, or access your personal information. We offer the use of a secure server. All supplied sensitive/credit information is transmitted via Secure Socket Layer (SSL) technology and then encrypted into our Payment gateway providers database only to be accessible by those authorized with special access rights to such systems, and are required to?keep the information confidential. After a transaction, your private information (credit cards, social security numbers, financials, etc.) will not be kept on file for more than 60 days.

Do we use cookies?

Yes (Cookies are small files that a site or its service provider transfers to your computers hard drive through your Web browser (if you allow) that enables the sites or service providers systems to recognize your browser and capture and remember certain information We use cookies to help us remember and process the items in your shopping cart, understand and save your preferences for future visits, keep track of advertisements and compile aggregate data about site traffic and site interaction so that we can offer better site experiences and tools in the future. We may contract with third-party service providers to assist us in better understanding our site visitors. These service providers are not permitted to use the information collected on our behalf except to help us conduct and improve our business. If you prefer, you can choose to have your computer warn you each time a cookie is being sent, or you can choose to turn off all cookies via your browser settings. Like most websites, if you turn your cookies off, some of our services may not function properly. However, you can still place orders by contacting customer service. Visit Google's Privacy & Terms site to learn more: Google Analytics We use Google Analytics on our sites for anonymous reporting of site usage and for advertising on the site. If you would like to opt-out of Google Analytics monitoring your behaviour on our sites please use this link (

Do we disclose any information to outside parties?

We do not sell, trade, or otherwise transfer to outside parties your personally identifiable information. This does not include trusted third parties who assist us in operating our website, conducting our business, or servicing you, so long as those parties agree to keep this information confidential. We may also release your information when we believe release is appropriate to comply with the law, enforce our site policies, or protect ours or others rights, property, or safety. However, non-personally identifiable visitor information may be provided to other parties for marketing, advertising, or other uses.


The minimum information we need to register you is your name, email address and a password. We will ask you more questions for different services, including sales promotions. Unless we say otherwise, you have to answer all the registration questions. We may also ask some other, voluntary questions during registration for certain services (for example, professional networks) so we can gain a clearer understanding of who you are. This also allows us to personalise services for you. To assist us in our marketing, in addition to the data that you provide to us if you register, we may also obtain data from trusted third parties to help us understand what you might be interested in. This ‘profiling’ information is produced from a variety of sources, including publicly available data (such as the electoral roll) or from sources such as surveys and polls where you have given your permission for your data to be shared. You can choose not to have such data shared with the Guardian from these sources by logging into your account and changing the settings in the privacy section. After you have registered, and with your permission, we may send you emails we think may interest you. Newsletters may be personalised based on what you have been reading on At any time you can decide not to receive these emails and will be able to ‘unsubscribe’. Logging in using social networking credentials If you log-in to our sites using a Facebook log-in, you are granting permission to Facebook to share your user details with us. This will include your name, email address, date of birth and location which will then be used to form a Guardian identity. You can also use your picture from Facebook as part of your profile. This will also allow us and Facebook to share your, networks, user ID and any other information you choose to share according to your Facebook account settings. If you remove the Guardian app from your Facebook settings, we will no longer have access to this information. If you log-in to our sites using a Google log-in, you grant permission to Google to share your user details with us. This will include your name, email address, date of birth, sex and location which we will then use to form a Guardian identity. You may use your picture from Google as part of your profile. This also allows us to share your networks, user ID and any other information you choose to share according to your Google account settings. If you remove the Guardian from your Google settings, we will no longer have access to this information. If you log-in to our sites using a twitter log-in, we receive your avatar (the small picture that appears next to your tweets) and twitter username.

Children’s Online Privacy Protection Act Compliance

We are in compliance with the requirements of COPPA (Childrens Online Privacy Protection Act), we do not collect any information from anyone under 13 years of age. Our website, products and services are all directed to people who are at least 13 years old or older.

Updating your personal information

We offer a ‘My details’ page (also known as Dashboard), where you can update your personal information at any time, and change your marketing preferences. You can get to this page from most pages on the site – simply click on the ‘My details’ link at the top of the screen when you are signed in.

Online Privacy Policy Only

This online privacy policy applies only to information collected through our website and not to information collected offline.

Your Consent

By using our site, you consent to our privacy policy.

Changes to our Privacy Policy

If we decide to change our privacy policy, we will post those changes on this page.
Save settings
Cookies settings