Business use should be disclosed when you request or renew motor insurance. Whether you need a commercial policy or a business-use extension depends on the activities and the insurer’s permitted-use categories.

Give a concrete description

Explain whether you visit clients, deliver goods, carry staff or receive payment for transporting passengers. State how often this happens and who drives. Saying only occasional use can omit information the insurer needs to classify the risk.

Paid transport needs particular attention

Taxi trips, bus services and other passenger transport for hire or reward should be specifically disclosed. A private policy must not be assumed to cover these activities. Ask for terms appropriate to the service before accepting a booking.

The policy must match the work

Check that the certificate, schedule and endorsements reflect what was agreed. Ask about goods, employee drivers and third-party liability. If the wording is unclear, request a written explanation of the covered activities.

Changing use mid-year

Contact the insurer before beginning a new delivery or passenger service. An additional premium or different conditions may apply. Keep the effective date of the change; an endorsement made later should not be assumed to cover earlier trips.

Frequently asked questions

What if I make only one paid delivery?

Ask before doing it. The policy wording, not the frequency alone, determines permitted use.

Can I claim because I did not know?

A misunderstanding does not establish cover. Accurate disclosure and written confirmation are safer.

Discuss your motor insurance options

Discounted Premium Ltd can help you understand the available options and request a quotation for your circumstances. Have your vehicle details, intended use and driver information ready. Visit us at 42 Cork Street, Roseau, Dominica, or call 235-8294 or 818-7736. Message us on WhatsApp.

Related reading

Preparing a motor insurance quotation · Types of motor insurance

Earlier in this series

Private vs Commercial Motor Insurance: Which Do You Need? · Why Did My Car Insurance Premium Increase? · How Much Does Car Insurance Cost in Dominica? – 2026 Guide

This article provides general information. Cover, eligibility and claims depend on the insurer’s accepted terms, policy conditions, exclusions, limits and deductibles. Illustrative figures are not quotations or promises of settlement.