What is the difference between ‘commute’ and ‘pleasure’?
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Asked July 6, 2011
In car insurance, a car used for commuting is the vehicle used to drive back and forth to work. In most cases, this vehicle would be referred to as the primary vehicle rather than the commute vehicle, and would be whichever car you use the most often. If more than one person in the home drives regularly, each person's primary vehicle would be listed as their commute vehicle. Because these vehicles are usually on the roads at the most dangerous driving times, they are a bit more expensive to insure than a car which is only used on rare occasions.
Vehicles that are only driven on rare occasions are often listed as pleasure vehicles for insurance purposes. Because these vehicle typically receive less than 1000 miles of usage in a year, the rates for insuring them are much lower. Pleasure vehicles may include a sports car or custom vehicle that is taken to shows, in which case it may even be transported on a trailer to reduce the risks even more, but they also include a recreational vehicle or a truck that is only used for occasional hauling or camping trips. Most insurance companies consider a vehicle that is not the primary car and is driven less than 2000 miles per year a pleasure vehicle, but the exact determination differs from one insurance company to the next.
Another type of insurance that is becoming more popular is pay by the mile coverage. Because you are only paying to insure the vehicle for the amount of actual driving you do, pay-by-mile car insurance can be beneficial for both recreational and primary vehicles. For a truck that would otherwise be listed as a pleasure vehicle, pay by mail insurance provides an even more economical alternative to traditional insurance policies.
Answered July 6, 2011 by Anonymous