Our Specialist Commercial Vehicle Policies
Keith Michaels has arranged business car insurance, as well as commercial fleet, van and truck insurance, for over 30 years and offers a range of specialist policies.
As specialist business car insurance brokers and commercial vehicle insurance brokers, discover how we can help
We can insure any vehicle on a contract hire agreement.
We offer small fleet and large fleet insurance for cars and vans.
Any vehicle owned on a leased basis can be insured – lease rental or lease purchase.
We offer cover for fleet, multi-car, single-vehicle or personal business insurance.
We have specific insurance schemes designed for ex-company car drivers.
We can provide cover for businesses using plug-in hybrids or all-electric company cars.
Business / Commercial Car Insurance Policies
Finding the right insurance policy for your needs is important, that’s why Keith Michaels offers a range of business / commercial car insurance policies that can directly match your requirements including business class 1, business class 2, and business class 3 insurance.
Finding the right insurance policy for your needs is important, that’s why Keith Michaels offers a range of business / commercial car insurance policies that can directly match your requirements including business class 1, business class 2, and business class 3 insurance.Motor fleet insurance can be used to cover multiple vehicles under a single business car insurance policy. We also provide business lease car insurance for when a business or individual is using a vehicle on a lease-rent or lease-buy basis. Company car and ex company car drivers can also find competitive cover with us.
Our team of specialist car insurance brokers are committed to finding each customer the best business vehicle insurance policy possible.
When Do You Need Business/Commercial Insurance for a Car?
You don’t need commercial or business insurance if you solely commute to one place of work, but you will need it if your job requires you to travel elsewhere. Business travel includes:
- Commuting to off-site meetings happening away from your place of work
- Travelling to another commercial premises to meet with a client
- Driving to various operational sites that are different from your central base
- Commuting to and from places, such as operational sites and shops on behalf of your employer
Without business insurance on your work vehicle or domestic car, you run the risk of voiding your insurance. You may also be deemed uninsured if you get into an accident. Around one in threewho drive as part of their job are actually uninsured for business miles.
Fortunately, if you have a fleet or company car, your employer might have covered this for you already. But, it’s vital you check this before travelling.
Commercial Vehicle Insurance Policies for Vans
At Keith Michaels, we can arrange cover for a huge range of commercial vehicles so that. you’re covered for every mile of your journey.
We understand that in the event of a claim, you need to be back on the road as soon as possible. That’s why we’re dedicated to assisting you every step of the way. We can cover all commercial vehicles starting with the smallest vans. on the road.
As a specialist insurance broker, Keith Michaels has been insuring commercial vans for over 30 years and has access to a large number of schemes for commercial vehicle insurance.
All our policies are designed with the individual or company in mind and we are aware that no two risks are the same.
Want to Arrange Business Car or Commercial Vehicle Insurance?
If you’re finding premiums to be high or are having difficulty arranging cover for your business car or fleet of commercial vehicles, get in touch. With over 30 years of experience and a network of schemes, we’re bound to have the right answer for you. Why not give us a call or request a quote today?
The Keith Michaels Difference
- 30 years’ experience
- Every customer is treated as an individual, not a policy number
- We are a UK-based office, not a call centre
- We are completely independent from any insurance company
- All policies are looked at on their own merits to find you the best policy available
Why Choose Keith Michaels for Business Car & Commercial Vehicle Insurance?
We have specific insurance schemes designed exclusively for business car and commercial vehicle owners
- Policies in either company or individual names
- Any driver over 21 policies are available
- Previous driving discounts
- Priority claims management
- Directors no claims bonus can be applied
- Staff have over 30 years’ business car experience
Effortless process and wonderful service. Their tailored expat products take all the heat out of something that other insurance companies seem to want to over complicate. Cannot recommend highly enough.
I've been insuring with Keith Michaels for quite a few years now & have been very satisfied with the service. They have been very helpful & give a very personal service. Even after shopping around each time, (as we are all told to do!) Keith Michaels prices are still very competitive & hard to beat.
As an expat with a home in the UK it was great to find a broker who had insurance companies on the books who were willing to recognise No Claims gained in the EU
Excellent service, after returning to UK after a long period away, they took care of my insurance needs in a very professional and efficient manner as well as being very competitively priced.
Spoke to a helpful Chap called Matt Moody (great name by the way), who was anything but what his name suggests. He was patient with me and found me a really competitive quote. Would recommend!
Honest guys. Very straight forward.
Can never fault these guys. Renewed for the 3rd year running as they've great price and amazing customer service!
A human voice answered the phone straight away and gave me a competitive quote quickly and efficiently, which I accepted. Confirmation processed quickly too. Efficient use of their time and mine.I am a new customer so time will tell whether I remain satisfied!
Get in Touch for your Business Car Insurance Quote Today
Business Car & Commercial Vehicle Insurance FAQs
What does business/commercial car insurance cover?
Business car insurance is needed for individuals who use their car for more than just a commute to one place of work. You’ll need business insurance for your car if:
- You commute to off-site meetings as part of your job
- You travel to other operational locations other than your regular place of work
- You run errands on behalf of your business or employer
- You regularly commute to client-sites
Commercial car insurance can cover you to perform the following activities in your car (dependent on policy):
- Work as a driving instructor
- Work as a taxi driver
There is a much higher risk with commercial car use, particularly as your job requires you to drive in order to earn money. The more time you spend on the road, the more likely you are to get into an accident and are seen as higher risk from an insurer’s perspective.
What is liability car insurance and do you need it?
Liability car insurance, also known as public liability, helps protect you from any liability costs. Specifically, you are covered if your vehicle causes incidental damage to a person or their property. If you use your vehicle for a lot of work-related travel, it might be the right choice for you to add on.
It’s designed to cover any legal costs incurred if a member of the public makes a claim against you or your vehicle.
Public liability car insurance can be added on to a policy (dependent on provider). In most cases, it will come at an extra cost. You might choose to add it to your car insurance policy if:
- You are travelling to multiple premises everyday as part of your job
- You are a driving instructor and want additional protection
- Your car is regularly exhibited at car shows, meets or exhibits
What are the business car insurance classes?
There are three classes of business car insurance – class 1, class 2 and class 3.
Business class 1
Covers social, domestic and pleasure use as well as driving to and from your place of work. Additionally, it covers the policy holder for short business journeys.
Business class 2
Covers everything that class 1 insurance includes, with the addition of other named drivers on the policy that are often part of the same business.
Business class 3
Incorporates everything from class 2, but additionally covers unlimited long distance travel with no set destinations. Unlike class 1 and class 2, class 3 covers cars that are used for commercial purposes such as door to door sales (not mini-cabs, private hire or driving lessons).
How much does it cost to add business use to your car insurance?
The total cost will depend on a few factors, such as:
- The amount you already pay
- The type of car you have
- Your level of risk
- Your age
- Your driving time and mileage
As you’re likely to carry more risk, especially as you’re driving more often, your monthly premiums could be higher. Likewise, if your total mileage is likely to increase, this is another factor that will impact the cost.
Should your employer pay for business car insurance?
Company fleet managers might arrange business car insurance for each of their fleet vehicles, but it’s best to assume they haven’t. Whilst many larger corporations naturally cover this, it’s still your responsibility to check you’re insured before you start driving.
In terms of costs, insurance premiums are normally taken care of by your employer as they own the vehicle. However, if you’re adding business use to your domestic car, you’ll be responsible for paying the premiums on time and in full. If you don’t, you’ll void your car insurance.
Can you tailor insurance for small businesses as well as large enterprises?
Our dedicated team of expert commercial vehicle and business car insurance brokers are always happy to help with any queries about our range of business motor insurance policies. We are also capable of tailoring insurance for small businesses as well as large enterprises, meaning you always have relevant options available for you. Let us walk you through the process.
Option of a company car or car allowance? What to choose
The choice is a difficult one that many business people have to face and many aren’t aware just how much you’ll need to consider. To help arm you with the knowledge you need to make an informed decision, we’ve reviewed the pros and cons of each. We’ve also created a helpful tool that allows you to determine whether a company car or car allowance will work best for you.