Posted By Calogero Gattuso I always thought business cover, for insurance purposes was if you used the car as part of your job e.g A sales rep / service engineer etc.. I would assume your normal insurance cover would cover you whilst your on the way to work (I am not an expert through). Again, If the accident was outside work premises, I thought its not a requirement to report the accident. Cheers, Calogero Gattuso

Posted By Karen Todd Tracey, I thought most people were insured for social, domestic and pleasure which includes your journey to and from work. I think what people need to be careful of is cheap insurance policies (not mentioning any names) as these are NON-STANDARD PRODUCTS and do not cover many things that other policies do and a number of people have been caught out. For example, I have my car insured for business use with Zurich. I am in Northern Ireland but can also drive in Southern Ireland. If I went with a cheap insurer (think of a very large animal) I would only be covered to drive on business in the UK. Also, with this cheaper insurer, you pay your whole policy up front but it gets cancelled and you start again if your car gets stolen. Imagine if your car got stolen during the first month - you would have to fork out 2 years insurance money in the space of 1 month! Regards, Karen

Posted By Paul Adams Car insurance is normally for Social, domestic and pleasure, including commuting to and from a single place of work, although you may need to specify the commuting bit. (Specifying that you don't reduces your premium based on most traffic, therefore accidents and claims occur during the rush hour). Above this, you need business use insurance.