What business use is my car covered for?
Our robust cover means it’s not the end of the world if you use your car for business use. You’re still covered as long as it’s none of the below.
Business use that is NOT covered:
Your car will not be covered if used for the following:
- Ride-sharing, or carrying fare-paying passengers such as a Taxi, or Uber.
- Courier or delivery business (including food delivery such as UberEats).
- In connection with a trade or servicing business that does any installation, maintenance, cleaning or repair work on homes.
- To carry goods or samples for financial gain or reward, as part of any business (apart from Farming)
- As part of any motor (or automotive) trade profession (such as a mechanic)
- Formal driver training or education.
- Towing for reward (e.g. to a tow another car)
- Car being hired out (e.g. a peer to peer hire)
If your car is used for any of the activities listed above, our policy is not suitable. We would recommend purchasing commercial cover – typically available through an insurance broker or commercial insurer.
So, is all other business use covered?
Yes! For any business activity not listed under the exclusions above, your car can be covered – even while performing that business task.
Our policy acts as a hybrid between private and commercial cover, designed to accommodate most other business uses.
Examples of covered occupations (not exhaustive):
- Office professionals visiting clients.
- Property managers driving to properties for inspections or viewings.
- Property Owners carrying out work on their own rentals
- Farmers using a ute for on- and off-farm activities to run their operations.
- Real estate agents or salespeople traveling for work.
Still unsure?
If you’re uncertain whether your business use is covered, get in touch with us – we’re here to help clarify!