What are the car insurance rules about driving to work and what are the different types?

DRIVERS could be caught out when dropping someone else at work as it may not be covered by their car insurance.

Millions of motorists who act as morning chauffeurs could be liable for huge bills when insurers don't pay out.

How do car insurance rules work?

Most insurance policies only apply when commuting to one place of work – and going out of your way to drop off a friend or family member could mean you're not covered.

Any diversion from your normal route could give your insurer a way to wriggle out of a claim – especially if you were knowingly doing so.

Flexible working – for example if you hot desk at multiple offices – could also mean a regular commuting policy doesn't cover you.

What are the different types of car insurance?

Classes of use available on insurance policies include social only, social plus commuting and business use.

The first covers non-work related driving only. If you add on commuting use you're able to drive to and from one permanent place of work – but are still not covered for other work-related trips.

It doesn't allow you to drive to client meetings, training days or to another office – for that you'd need to sign up for business class use.



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This is more expensive as you'll be covering more annual mileage and likely to be driving on unfamiliar roads.

What do the experts say?

Graeme Trudgill, executive director of the British Insurance Brokers' Association, said: "Travelling to a railway station on route to work, where the car is parked, is usually classed as commuting.

"The use does not allow you to drive to different places of work or, for example, to a training course for work at a different destination.

"Dropping someone else off at their place of work may also be classed as commuting by your insurer, providing this is on your normal commute.

"If you give someone a lift to their place of work which involves a diversion from your normal commute, please check with your insurance provider to clarify if they are happy this is considered to be commuting use.

She added: "Not all insurers do and so it is important not to assume that it is covered."

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