Car Insurance
Car Usage

We Ask About Usage to Help You Save

 
Choose one of three usage types

Do you only drive your car on the weekends? Do you commute by car to work? Or maybe you use your car in the course of your job. Depending on how you use your vehicle, you could save a lot by switching to DirectAsia.

IMPORTANT! Remember to declare the correct usage

We ask about car usage so you get the correct premium. The car usage falls into three basic categories below. Please make sure you declare the usage accurately so you're covered in the event of a claim.

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The 3 Standard Car Usages

Not sure about your usage type? Call us at (852) 2884 8888

 
 
PRIVATE USE

You are only using your car in the course of your private life and for leisure.

You are not using your car to go to your workplace or to any professional appointment. However, you might use your car to send your children to school daily or other daily routines that aren't work related

 
PRIVATE USE & COMMUTING

On top of the private usage, you are also using your car to go to and from your office.

You might use your car during lunch time even to meet with your business partner. However, you are not using your car to go to and from business appointments during your work/office hours.

 
PRIVATE USE & BUSINESS

You use your car in your normal day and in the course of your work.

On top of the private and commute usage, you are also using your car for and during the course of your work. This includes going to business meetings during your work/office hours.

Have questions?  Speak with us directly at (852) 2884 8888 or provide your details and we’ll call you back on the next working day.