Quick car insurance question

**venus89** · 12-09-2011, 05:56 PM

I've just been asked what class of business insurance we need, been ages since I put mine on the insurance, it just gets renewed every year so I don't have to think about it.... Is it class 2?

**Chatterbox Childcare** · 12-09-2011, 06:04 PM

I have Class 1 on mine

**venus89** · 12-09-2011, 06:17 PM

Thanks Debbie, I suggested class 1 but the persona asking me says she thinks it may be class 2 - and said the ncma weren't much help!

**marleymoo** · 12-09-2011, 06:18 PM

goodness i've never been asked this before. must look into it myself now!

**sarah707** · 12-09-2011, 07:06 PM

Class 1

**venus89** · 12-09-2011, 07:31 PM

Excellent, thank you

aly · 12-09-2011, 08:46 PM

quite a few people have been told to have a different class to what they need, be careful...

**christine e** · 13-09-2011, 07:08 AM

Many moons ago when I worked in insurance Class One was social domestic and pleasure plus personal business use by insured and spouse, Class Two was S D & P plus business use by others (normally this was what companies had) and Class Three was S d & P plus business use for private and public hire (taxis)

Christine

**rickysmiths** · 13-09-2011, 07:56 AM

I think it can depend on the company you are asking these days.

Of course Blu Fin the Insurance Company endorses by NCMA (

) insists on Class 3 which is prob why they are often sooo expensive

I am with Morton michel and I'm not sure what class they cover to I just know I am covered for childminding and they were by far the cheapest for me this year

**marleymoo** · 13-09-2011, 08:20 AM

thanks for that Sarah and Christine

**christine e** · 13-09-2011, 11:21 AM

Originally Posted by rickysmiths

I think it can depend on the company you are asking these days.

Of course Blu Fin the Insurance Company endorses by NCMA (

) insists on Class 3 which is prob why they are often sooo expensive

I am with Morton michel and I'm not sure what class they cover to I just know I am covered for childminding and they were by far the cheapest for me this year

I do mine through the motorminder scheme with Blu Fin and it is Class One

Christine