A vehicle that carries stock, tools, clients or deliveries may be used differently from a private family car. The description of use in your motor policy matters. A personal policy should not be assumed to cover every business trip.

Write down what you carry, who drives, where you travel and whether anyone pays to ride. Give those details to the insurer before the use changes. Ask whether commercial motor, a different vehicle class, or an endorsement is appropriate. Also ask about the cover for goods or tools inside the vehicle; motor damage cover does not necessarily insure the load.

Next step: Explore commercial motor insurance or call +1 (767) 235-8294.