Can I use my car to take things I have sold on eBay or Facebook Marketplace to buyers?
What should you do?
- Consider whether you are simply selling personal belongings or trading regularly.
- If it is part of a business or side business, tell your insurer and describe the journeys.
- Check whether goods carried in the vehicle are insured separately.
- Do not rely on a marketplace label; insurers look at the real purpose of the journey.
What can make a difference?
The result can depend on your level of cover, exclusions, excess, information given when the policy was arranged or renewed, who was driving, and the precise circumstances. Two policies both described as “comprehensive” can still contain different terms.
If selling and delivering has become regular commercial activity, ask about appropriate business use.
How the journey is classified can depend on whether you are disposing of your own belongings or regularly selling and delivering goods as a business. If this is more than an occasional private sale, check the permitted use on your policy.
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