I take work equipment in my car — does that count as business use?
What should you do?
- Describe where you drive, why you travel and what you carry.
- Check whether the motor policy covers the equipment itself; often it does not.
- If the equipment is valuable, consider whether separate business or property cover is needed.
- Tell the insurer if your work use changes.
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.
Business-use motor cover and insurance for the contents of the vehicle are separate questions.
Simply carrying work equipment does not by itself answer the insurance question. Consider the purpose of the journey and whether you are travelling in connection with your work, then check that the policy permits that use.
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