Motor vehicle insurance: social, domestic and pleasure purposes

In AXA Insurance UK Ltd v EUI Ltd (t/a Elephant Insurance) [2020] EWHC 1207 (QB) Foster J considered the meaning of the phrases “social, domestic and pleasure” and “private motor car” for the purposes of the coverage of a motor policy. The judge has confirmed that driving home from work is not a social purpose, and that the test in any one case is that of primary purpose.

AXA : the facts