Business car insurance

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Business car insurance

What is a business car insurance policy?

Standard policies cover you for domestic use and commuting back and forth to work but if you use your car for more than that, you'll need to take out some form of business policy.

Getting your car covered for business use isn't as straight forward as taking out a standard social and domestic use policy, in actual fact, there are lots of different types and classes available depending on the work you do and what you're using your car for.

Examples include:

  • Business use (class 1) - Cover for the main driver in connection with their work for driving to different sites that aren't their normal place of work. A spouse may also be covered for business use but other named drivers may not be
  • Business use (class 2) - Usually covers the policyholder and a named driver for business use, although some insurers may stipulate that the two must work in the same occupation
  • Business use (class 3) - Provides cover for the transportation of light goods and some selling purposes such as door-to-door sales

Because many of these policy types can be complicated and consist of lots of different factors, it's always worth checking the terms and conditions of the policy and confirming directly with the insurer that the policy fully covers you for your business needs.

Why might I need one?

If you use your car for work including but not limited to:

  • Regularly commuting to different locations
  • Driving lots of miles a week
  • Driving colleagues around
  • Using your car for tasks related to your work

What else should I know?

As business car insurance policies offer a different type of cover to standard social and domestic use policies, they can come with increased premiums.

Insurers use lots of different factors to calculate insurance prices, including:

  • When and where the car will be used
  • Who will be using the car
  • How many business miles the car will do
  • What the car will be used for

It might seem like a good idea to save yourself some money by not declaring you use your car for work use and just rely on a social/domestic policy, but failing to fully disclose to an insurer if you use your car for work purposes can invalidate your insurance and following an accident, leave you unable to make a claim.

If you'd like more information on business car insurance, take a look at our guide.

Make getting a quote even easier

While getting a quote only takes a couple of minutes, you can help speed up the process by having some bits of information to hand:

  • About you - Your name, age, the type of licence you hold and how long you've held it for
  • The car - The number plate or make and model
  • Location - The address the car will be registered to
  • Your driving history - Any motoring convictions you've picked up in the last 5 years
  • Additional drivers - Details of any additional drivers you'd like added to the policy

If you've used before you can log into your account using the email address and password you registered with. Once logged in you can retrieve or amend any previous quotes you've run.

Use the 'Sign in' button in the top right of the page to get started or click on the 'GET A CAR QUOTE' button to begin. QuickQuote Logo

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