do you use a personal car fro your business and do you have business car insurance on it?? There are 4 categories that insurers use to rate you car usage; Social, Domestic & Pleasure - covers you for normal, every day type driving eg visting family and friends, going to the gym or shopping. Commuting - additionally this covers you for commuting to and from your place of work and parking your car during the time you are at work, at a station for example. Business use - is required if as part of your work day you use your car to travel to other business locations in addition to your normal place of work, for example for meetings or to visit clients. Commercial Travelling - additionally covers your car if it is used for commercial activity, for example in a sales related business. Always be honest with the insurer or broker as you provide information. Giving false or inaccurate information will only cause you problems in the event of a claim. eg if you opt for only social, domestic & pleasure use and then have a serious accident whilst using the car for business use, this could voild your insurance and you will not be covered for any accedent and then also be done for driving without insurance. also if police do a spot check on the car and fine you dont have the right insurance for using it for business they could impound the car, fine you £200 minimum and give you upto 6 points on the licence.