The following information details the definition of the different classes of use offered by insurers.
Social Domestic & Pleasure (SD+P)
Use for social, domestic & pleasure purposes excluding use for travel to and from a place of paid employment excluding use for business purposes, hiring, use for any purpose in connection with the Motor Trade, or use in any competition, trial, performance test, race or trial of speed, including off-road events, whether between motor vehicles or otherwise, and irrespective of whether this takes place on any circuit or track, formed or otherwise, and regardless of any statutory authorisation of any such event.
Social Domestic Pleasure & Commuting (SDP+C)
Use for social, domestic & pleasure purposes and travel to and from a place of paid employment excluding use for business purposes, hiring, use for any purpose in connection with the Motor Trade, or use in any competition, trial, performance test, race or trial of speed, including off-road events, whether between motor vehicles or otherwise, and irrespective of whether this takes place on any circuit or track, formed or otherwise, and regardless of any statutory authorisation of any such event.
Class 1 Business Use (C1)
Use for social, domestic and pleasure purposes and use by the Policyholder or the Policyholder's spouse/domestic partner in person in connection with his or her business excluding hiring, commercial travelling, use in any competition, trial, performance test, race or trial of speed, including oft-road events, whether between motor vehicles or otherwise, and irrespective of whether this takes place on any circuit or track, formed or otherwise, and regardless of any statutory authorisation of any such event or any purpose in connection
with the motor trade.
Class 2 Business Use (C2)
Use for social, domestic and pleasure purposes and for the business of the Policyholder and the Policyholder's employer or business partner excluding hiring, use in any competition, trial, performance test, race or trial of speed, including off-road events, whether between motor vehicles or otherwise, and irrespective of whether this takes place on any circuit or track, formed or otherwise, and regardless of any statutory authorisation of any such event, commercial travelling or for any purpose in connection with the motor trade.
Class 3 Business Use (C3)
Use for social, domestic and pleasure purposes and for the business of the Policyholder and the Policyholder's employer or business partner excluding use in any competition, trial, performance test, race or trial of speed, including off-road events, whether between motor vehicles or otherwise, and irrespective of whether this takes place on any circuit or track, formed or otherwise, and regardless of any statutory authorisation of any such event or the carriage of passengers for hire or reward.