NealT
Well-known member
On your insurance they ask whether the car is for work or not. Classifying your car as "Occasional use" means you cannot use it to drive to or from work. If you use it to get to work and have an accident you may not get any coverage. Of course the savings are better the farther you work from home as the increased mileage means higher exposure to a possible accident. This is taken into account when calculating your premium. At least this is my understanding, if i'm wrong someone will likely pipe up.
What is this "occasional use status"? I have two cars and would like to keep them both insured but one I would only need to use on the rare occasion that I actually need to carry more than 2 people or large items.