Social, Domestic and Pleasure Insurance 

Using your car for personal activities like shopping, school runs, or leisure trips is common, but it’s important to know how Social, Domestic and Pleasure insurance covers these uses. Here’s what you need to know.

*All information included on this page is general information and not specific to Collingwood Insurance

What Does Social, Domestic and Pleasure Mean?

Social, Domestic and Pleasure (SD&P) is a category of car insurance designed for personal use. It covers activities like shopping trips, visiting friends and family, or driving to leisure activities.

What Activities Are Covered by SD&P Insurance?

Some examples of activities typically covered under SD&P include:

Driving to the supermarket
Taking children to school
Visiting friends or family
Leisure trips

Does SD&P Include Commuting?

In many cases, SD&P includes commuting to a single workplace, as long as no business-related stops are made during the journey. It’s essential to check with your insurer, as definitions can vary.

When should you consider business use?

If you need your car for work-related activities beyond commuting, such as visiting clients or traveling between multiple work sites, you’ll likely need to add business use to your insurance policy. This ensures you’re fully covered during work-related journeys.

Does SD&P Cover Multiple Drivers?

SD&P policies often allow for named drivers, provided the primary use of the vehicle remains personal. Always confirm the specifics with your provider.

Tips for Choosing the Right Insurance Type

Assess Your Usage

Consider how often and for what purposes you use your car.

Check for Commuting Coverage

Confirm whether your policy includes driving to work.

Add Business Use if Needed

Ensure your insurance matches your needs if work-related driving is required.