14/07/2025
Different type of insurance class of use
What are the different car insurance classes of use?
There are three classes of car insurance in the UK for personal use, while there are other classes that fall into commercial use. Here are the different types of car insurance:
1. Social, Domestic and Pleasure (SDP)
SDP is when you use your car for everyday social driving, such as visiting friends, doing the school run and shopping.
2. Social, Domestic, Pleasure and Commuting (SDPC)
This class covers the same as SDP insurance but also includes journeys to and from work. It also includes driving to and from the train station and leaving your car there to take the train to work, and even driving someone else to work. You do not need business insurance to drive to work.
Just be aware that, typically, only one place of work is covered. If you travel to a number of places for work, it’s likely you’ll need the next level of cover. Check your policy wording to find out more.
3. Personal business use (SDPC + business use)
This includes everything in the first two categories plus business-related driving, which is split into the following:
4. Commercial use
You’ll need commercial car insurance if you drive for your job: for example, if you’re a minicab or taxi driver, chauffeur, delivery driver or driving instructor. Within commercial car insurance, there are some additional cover types also worth considering:
Hire and reward cover: Essential if you’re using your vehicle to carry goods or passengers in exchange for payment, for example delivering parcels or food as a courier. Your employer may provide this for you, so it’s best to check before buying your own policy.
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