Why can’t I work with my normal insurance?

  • Standard insurance policies cover users for Social, Domestic and Pleasure (SD&P) use - not for using your motor vehicle for any other use and commercial gain.
  • In the case of an accident, your standard insurance will not assist you if it can be seen that you were not using your vehicle for its intended purpose. For example - you are delivering a pizza when you hit a wing mirror of a car. You contact your insurance company, who can see that you are on a delivery, therefore not using your vehicle for SD&P use, and will therefore not assist you to replace the wing mirror.


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