Commerical Auto Insurance and Part time Business Ue of Auto

by Medina
(Cobourg, Ontario)

Hi


Can you tell me what coverage is required if i drive my personal car part time for work? I do not do deliveries just go to meetings.

Driving Personal Car for Work and Auto Insurance


Hi Medina

It is okay to drive your personal vehicle for work. But you need to disclosed the use of your vehicle to your insurer so they can rate your policy accordingly. For example, if you used your car for pleasure use only (no commute), you might be rated a 1 (best). If you commute to work, you might be rated a 2 or 3 depending on your overall mileage. If you use a car for business you will probably be a 7 or possibly a 3.

I doubt that you need a commercial auto insurance policy. But you do need the business use noted to avoid problems at time of claim - or worse - problems after a claim due to misrepresentation allegations.

Please be sure to discuss this further with a licensed insurance representative. And you can get new quotes here:

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Note: Always speak with a licensed insurance professional about your specific situation. This insurance information is general in nature and the policy wordings always take precedence. It is possible that there are errors and omissions in this website and www.canada-insurance-source.com, or its authors, take no responsibility.

Keep in mind that insurance licensing, legislation, and policies often vary by province and most certainly by country. Canada Insurance Source is a free information source. So use this site to gain a general understanding of insurance with your own area and situation in mind.  Make sure you review the "please read" page. Always speak with a licensed insurance professional about your specific situation.

Always speak with a licensed insurance representative about your specific situation.

This site is general in nature and there may be errors or ommissions

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