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Question: 1 / 475

An insured who uses a van for pleasure is laid off and will use the van for deliveries. What steps should you take?

Make no change

Note in the file that the vehicle is being used temporarily for deliveries

Advise the insured to have the van insured by the florist

Advise the insurer to reclassify the van as a commercial risk

If an insured is temporarily using their vehicle for commercial purposes, it is important to inform their insurer to reclassify the vehicle as a commercial risk. This is because using a vehicle for commercial purposes poses a higher risk and may require different insurance coverage. Option A, making no change, may not fully protect the insured in case of any accidents or damages while using the van for deliveries. Option B, noting in the file, may not be enough precaution and may not provide the necessary coverage. Option C, advising the insured to have the van insured by the florist, may not be the right course of action as it may not fully cover the insured in case of any accidents or damages while using the vehicle for deliveries. Therefore, the best step to take is advising the insurer to reclassify the van as a commercial risk to ensure proper coverage.

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