What is the definition of social, domestic & pleasure (SD&P) use?

SD&P use is the standard classification for private Car Insurance, allowing you to use your vehicle for everyday personal purposes without any work-related travel. This includes:

• Personal travel, such as shopping, school runs, and running errands.

• Leisure activities, like visiting friends and family or going on holiday within Ireland.

• Commuting to and from work, if your policy specifically includes commuting. Always check your policy documents to confirm your level of cover.

What is NOT covered under Social Domestic & Pleasure?

Social Domestic & Pleasure does not cover any type of work-related or commercial use, including:

• Using your vehicle for business travel, such as visiting clients or multiple work sites.

• Carrying goods or passengers for hire or reward, like food delivery, ride-sharing, or taxi services.

• Commercial or business-related driving, including any travel that forms part of your job beyond a simple commute.

If you need cover for work-related journeys, you’ll need a different level of insurance.

Do I need additional cover for commuting or work?

If you use your car for work purposes beyond standard commuting, you may need Class 1 Business Use. This ensures you're covered for work-related driving, such as visiting clients or multiple business locations.

Check your policy schedule or call customer support at 01 524 6029 to ensure you have the right cover.

How do I check or update my cover?

To confirm your policy details or request an amendment, you have a couple of easy options:

• Log in to My123 to view your policy documents.
• Contact 123.ie customer support at 01 524 6029.

Stay Covered with the Right Policy

Having the correct cover means peace of mind, whether you're heading to the shops or travelling for work. If you're unsure whether your current policy meets your needs, don’t hesitate to contact us - our customer care team will help guide you through your options.