If a vehicle is used for both private and business purposes, can I still bring my dispute to The Motor Ombudsman?

If you have stated on your insurance policy for your vehicle that a greater number of miles will be completed for business than for private use (i.e. over 51% of annual usage), it is likely that you will be classified as a business user rather than a consumer. In this scenario, we will be unable to pursue your case, as our Codes of Practice are based on the private use of a vehicle and in accordance with consumer legislation.

If, on the other hand, you are able to prove that the vehicle is principally for private use, we will be able to consider taking on your case.

For more information about raising a dispute if you use a vehicle principally for business purposes, please refer to the Business Companion website.