Car insurance for business use is a wise decision if your job demands driving for business purposes. Unlike standard car insurance, business car insurance will cover a wide range of uses, such as attending meetings, travelling between work locations and running errands.
When it comes to applying for business car insurance, choosing a specialist provider offering a dedicated business car policy is a good start. Commercial car insurance differs to business car insurance; if you’re looking for commercial vehicle insurance, please find more information in our dedicated Commercial Insurance section.
The following guide is a list of other important things to consider when looking for business car cover:
Ex Company Car Insurance from Keith Michaels
- Introductory Discounts for Ex Company Car Drivers
- Every client treated on their own merits – tailor made to you
- Discounts for previous driving, Mirrored No Claims Bonus
- Private and/or Business Use policies provided
- We are a long established UK based company and do NOT operate a Call Centre
- Instant cover available
- Monthly payment options
Types of Business Car Insurance
There are three policy types for business car insurance – Business Class 1, Business Class 2 and Business Class 3.
The level of cover you will need depends on your specific requirements, and exactly
how much you intend to use your vehicle for business purposes.
The following are examples of the types of business-related driving that these policies can cover:
Business Class 1
For private and occasional business use. If you only occasionally drive for work purposes, and your car is registered in your name, there are policies that can cover you and your spouse.
Business Class 2
For private and business use. These policies provide similar cover to the above, but the vehicle can be registered to the business and any number of drivers can get behind the wheel.
Business Class 3
For travelling long distances and commercial applications. If you drive as a permanent aspect of your job and spend a lot of time on the roads, there are commercial travelling policies available.
To find out more about business car insurance policies and what specific business-related driving activity they cover, see our Business Car Insurance Explained page.
What to Tell Your Insurer
When you apply for business car insurance, your insurance provider will ask a series of questions to better understand your needs and working requirements. You will need to be prepared to share information about the nature of your work, the amount of time you spend behind the wheel for business purposes, and how many miles you will be clocking up in an average year.
It’s important that you are completely honest about your business car use, as failure to do so could mean you receive the wrong type of cover. If you are not properly insured, you will not be entitled to any compensation if you are involved in a crash whilst driving for business purposes.
Company Cars vs. Work Cars
A company car is a vehicle provided by a firm for business and private use by one of its employees. If you have been given a company car by your employer, the appropriate insurance cover should already be in place, but it’s important to check this before you start using it.
A work car on the other hand is a car you use for business reasons during working hours. If you are self-employed, or have your own small business,it is your responsibility to ensure any vehicles you own for business purposes are covered with the right business car insurance. You will not need to apply for company car insurance cover unless the vehicles you own are titled under your company name.
If you are an employer looking for company car insurance, please see our Company Car Insurance page for more information.
Volunteer Drivers and Insurance
If you are volunteering and your role involves driving a company car for business errands, it is the organisation’s responsibility to arrange the appropriate insurance cover. If however you are volunteering using your own car for business purposes, you will need to arrange business car insurance yourself.
When it comes to applying for business car insurance as a volunteer, the organisation you are volunteering with should provide you with a letter that you can forward to your insurance company. This letter should explain in detail your responsibilities as a volunteer with the organisation and whether you will be carrying passengers during the course of your volunteering.
Visit our Business Car Insurance section for more business car insurance information.
Get your quote today from one of our Business Car Insurance experts.