"If you use your car for work, such as driving to different sites, you should add business use to your car insurance policy. This ensures your policy stays valid while you use your car for work. When you get a quote, be sure to select ‘business use’ to only show policies that include this level of cover cover."
When you get a quote with us, you'll have the choice of 2 types of business cover: business use and commercial travelling.
Otherwise known as class 1 business car insurance, or class 2 if you add a named driver.
This type of policy covers you for light business driving.
You'll need it if:
Otherwise known as class 3 business car insurance, whether or not you add a named driver.
This type of policy covers you for extensive business driving.
You'll need it if:
Average business car insurance prices*:
Business use (class 1)
£627
Commercial travelling (class 3)
£1,886
*Confused.com data Q4 2024.
These policies cost £627* on average. Bear in mind that these are just averages, though. As fewer people take out business insurance, the average price paid for it may be different than what you'll be charged.
These policies tend to be more expensive, and cost £1,886* on average. This is due to the fact they're taken out by people who do a lot of work-related driving. As these drivers spend more time on the road, their risk of being involved in an accident while working is higher. This leads insurers to view them as higher risk, and they pay more for their insurance as a result.
**Single annual policy. New and former Paramount+ subscribers only who sign up at ParamountPlus.com. Subscription required. Auto-renews unless cancelled. 18+. Just Eat website account required, geographical exclusions apply. The year-round reward is provided by Greggs, and consists of one regular hot drink per month for a year, only available via the Confused.com app. T&Cs apply.
Despite it offering you the highest level of protection, fully comprehensive insurance tends to be cheaper than third party cover. This is due to the high number of claims made on third party policies in the past, when they used to be the cheapest option.
When you compare quotes, we'll ask you how many miles you drive each year. Giving us an accurate figure ensures you're not paying for more cover than you need, as the more miles you cover, the higher your insurance costs will be.
While it can be more convenient, you're usually charged more for your cover if you pay monthly. So if you can afford it, paying annually can help reduce the cost.
This is the amount you pay towards a claim. Typically, the higher your excess, the cheaper your policy. Just make sure you pick an amount you can afford to pay if you need to make a claim.
If you can, park in a locked garage or driveway. Thieves are less likely to target your car if it's parked securely, and it's less likely to be damaged accidentally. Reducing the risk of either can help bring down your insurance costs.
Every year you go without claiming you build up your no claims bonus (NCB), which means you could get cheaper insurance. You can also protect your NCB with an add-on to your policy. With this, you can claim a few times without affecting your no claims bonus.
If you use your car to visit several clients or work sites each day, and park it in multiple locations, it's risk of being stolen goes up. Immobilisers and steering wheel locks can help cut that risk.
Shopping around for a deal is a quick and easy way to save money on your business car insurance.
For more advice, read our tips on how to get cheap car insurance.
If you only use your car for work occasionally, you could get a temporary business car insurance policy for however long you need cover for.
These policies can cover you for anything from 1 hour to 28 days.
If you already have a non-business car insurance policy in place on your car, you can take a temporary business policy out alongside it. This would cover you for business driving, and would allow you to claim for any incidents that happened while you were using your car for work.
As it's a separate policy, you'd also be able to claim without affecting your main insurance policy, as well as any no claims bonus you'd built up.
When you get a car insurance quote, we'll ask you 'what will the car be used for?'.
Select 'business use'.
You'll then be given 3 options:
We'll need a few details from you to find you our best deals. These include:
Details about you:
Details about your car:
You could save £100s by comparing quotes with us, so why not join the millions of drivers who've saved money with us over the last 20 years?
Choose a reward from Sainsbury's, Halfords, Just Eat or Paramount+ when you buy your insurance through Confused.com. Plus, get a free hot drink every month for a year through our app.
We speak to our insurance partners to get the best deals and exclusive discounts for you. When you get a quote, look out for your 'special offers' which are highlighted on the prices page.
And if we can't beat it, we'll give you the difference plus £20(2).
**Based on data provided by Consumer Intelligence Ltd, www.consumerintelligence.com (January '25). 51% of Confused.com car insurance customers could save £468.08
(2)Single annual policy only. T&Cs apply. Must be a like-for-like policy.
Lets you prove you're a safe driver, and save money on your policy, even if you're inexperienced or seen as high risk.
Offers cover for owners of classic cars. For insurance purposes, a classic car can be any car that’s older than 15 years.
Yes, business car insurance is tax deductible. It’s counted as an allowable expense. This only applies if you’re self employed and use your car for business purposes, though.
If you are self employed, any ‘running costs’ associated with your car - like insurance, servicing, petrol and more - are seen as allowable business expenses, and can be claimed for on your self-assessment tax return.
If you pay for business car insurance, but aren’t self employed, then it isn’t reclaimable.
If you have a company car, it's usually covered by your company. They usually insure drivers with an any driver car insurance policy.
Make sure you check this with your employer though. It's not worth risking driving uninsured.
If you do need to buy car insurance for your company car, you can compare policies with us.
You might be able to add business car insurance cover to an existing policy. But you need to contact your insurer to see if you can change your car insurance. They might charge you more for this and there might be an administrative charge too.
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