When do I need Commercial Use?
If you use your vehicle for commercial purposes, you need Commercial Use to be covered in the event of a breakdown.
Commercial purposes include:
- Carrying items or people for money
- Delivering or collecting goods
- Transporting passengers
- Carrying equipment, tools or materials
Which vehicles are covered?
The following vehicles are eligible for Commercial Use:
- Taxis, black cabs, minicabs or private hire
- Delivery or courier vehicles, including motorbikes or mopeds
- Vehicles used to carry equipment for a trade, e.g., a plumber’s van
- Driving instructor dual control cars
What’s not covered?
We don’t cover the following vehicles for Commercial Use:
- Hire or rental vehicles supplied by Onward Travel – these can only be used for domestic purposes
- Any vehicle being used to move vehicles for trade purposes
- Vehicles used in sporting events
- Motorhomes, horseboxes, buses, trucks or any vehicles that weigh over 3.5 tonnes
See our terms and conditions for a full list of exclusions.
Can I add Parts and Garage Cover with Commercial Use?
It depends on what you use your vehicle for.
If you use your vehicle to carry tools or equipment for a trade, you can add Parts and Garage Cover.
But if you use your vehicle to carry goods or people in return for payment, you can’t claim on Parts and Garage Cover.
If you are buying breakdown cover for a taxi, or delivery or courier vehicle, don’t add Parts and Garage Cover.
If you don't need cover for a commercial vehicle, you can buy our standard breakdown cover.
