Autoplan premiums are partly based on what you use your vehicle for. The types of use are called rate classes. [click for definition]
There are more than 150 rate classes. Some of the most common are:
The more any vehicle is driven, the greater the chance of it being involved in a crash. A car that is driven in heavy rush hour traffic twice a day is more likely to be in a crash than one that only goes to the neighbourhood grocery and back once a day.
If your vehicle has a higher chance of being in a crash because of what you use it for, then you will pay a higher premium. On the other hand, if you just use your vehicle for pleasure, your premium will be lower. The rates reflect the level of risk for each type of use.
If you insure your vehicle under the wrong rate class, any claim you make could be denied. You may be held liable for any damage caused in the crash. Your Autoplan broker can explain all of the different rate classes so you're sure you choose the right one to match your driving habits.
Farm vehicles have their own rate classes. Download the brochure Farm Vehicles On the Move.
