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Often, policies do not cover you if you use your car for purposes of a business or commercial 'character'. 'Car-sharing', for example, if your colleague pays you to drive them to your place of work each day, could be considered of a business or commercial 'character'. So that you are able to car share without losing your car insurance cover, The Road Traffic Act 1988 lists certain conditions that ensure car sharing is automatically covered by your insurance.

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