Fergusons Insurance Brokers

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39B Davey St Frankston, Victoria
Phone: (613) 9783-3200

Motor Insurance - Private or Business

Each insurance company has their own definition of private or business use, the Austbrokers Secure Car Policy Wording defines;

Private Use means your vehicle must be registered for “private use” only in your name and used for the following purposes:

  • Social, domestic and pleasure purposes
  • Demonstration for sale
  • In connection with servicing, repairing and subsequent testing
  • For tuition, as long as it is not for payment
  • Towing a caravan, trailer or vehicle, as long as it is not for payment
  • Driving to and from work
  • In connection with your occupation or business as long as your vehicle is:
    • driven only by you, and
    • not used for collecting or delivering goods for reward, and
    • not used to enable you to obtain orders or to sell/promote products & services, and
    • not used for carrying on of a driving instructor business, and
    • not used in connection with the motor trade

Business Use means your vehicle is registered for “business use”, but is used only for the following purposes:

  • In connection with your business or occupation
  • Social, domestic and pleasure purposes
  • Demonstration for sale
  • In connection with servicing, repairing and subsequent testing
  • For tuition, as long as it is not for payment
  • Towing a caravan, trailer or vehicle, as long it is not for payment

As mentioned earlier each insurer has their own definition of private and business use.

If you are still uncertain whether or not your vehicle should be insured for private or business use, please call the Fergusons office on (03) 9783 3200 and one of our account managers will assist you.