What our car insurance expert says
If you use your own car for work - like driving to different locations - you’ll need to add business use to your policy. When you get a quote make sure to select ‘business use’ to only show policies that include it – this should cover you if you’re driving your car for work reasons.
Car insurance expert
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Yes, you can add drivers to your business car insurance policy. If you get in touch with your insurer, they should guide you through the process. They might ask you for:
- The additional driver's occupation
- Any details of past car insurance claims
- Any motoring convictions from the past 5 years
Adding a driver to your policy could bring your costs up or down, so it's worth checking before you commit to adding them.
If you have a company car, it's likely that your employer has arranged business car insurance. But it's worth checking - you don't want to be driving around without the right cover in place.
The main difference between business car insurance and commercial car insurance is that:
- Business car insurance is for those who use their car as part of their job
- Commercial car insurance is for those whose car is integral to their job
For example, couriers, driving instructors and delivery drivers all need to use their cars to work.
This comes with an added risk as you're carrying goods and people as part of the job. This requires a specialist car insurance policy.
If you've added business use to your existing car insurance policy, you only use your standard no-claims bonus. So, if you had an accident while on a business trip, your no-claims bonus is likely to be affected.
If you're using a company car, your policy might have its own no-claims bonus. Claiming on your company car insurance policy shouldn't impact any no-claims you've built elsewhere.