Service comes first at Coversure, and as the following feefo testimonials show, we’re the team you can trust with your business
Average Customer Rating:
Business Car
Insurance
Independent service from your local insurance specialists
Need a competitive business car insurance quote? Let the independent specialists at Coversure compare our markets to find you quality insurance protection. Your local Coversure office can tailor protection to your needs, so start your online quote today
-
We're here to help
Contact us to get your Business Car insurance quote
What is Business Car Insurance?
Business car insurance is a flexible policy designed to protect drivers who use their car for more than the daily commute. If you make the following types of trips, then you need to consider getting a business car insurance policy:
- Drive to meet clients
- Visit multiple work sites – be they your company’s or other firms
- Transport other members of staff to work locations
- Drive to the bank
- Drive to training sessions
- Drive to company conferences, seminars, or away days
All these common types of journeys are counted as business trips.
Please note, that business car insurance is not the same as commercial car or Commercial Vehicle insurance. Commercial Vehicle insurance is designed for drivers who carry passengers or deliver goods for money, so couriers, taxi drivers, driving instructors, and van drivers.
What Types Of Business Car Insurance Are There?
There are three classes of business car insurance:
- Class 1 – Covers you for driving between multiple places of work or occasional travel to meet clients. Class 1 insurance typically includes people such as care workers who go to visit patients or social workers visiting clients. It’s not suitable if you do deliveries, though
- Class 2 – offers the same protection as class 1 but includes a named driver, often a colleague. Most insurers will specify that the policyholder and named driver must work for the same company. Deliveries and door-to-door selling aren’t covered
- Class 3 – is a good option for sales reps and others who do a lot of business mileage. It will cover the carriage of samples but not of goods or merchandise. Again, deliveries won’t be covered.All three options give the driver the social, domestic, and pleasure cover they would get with a standard car insurance policy.
How Can I Cut My Businsess Car Insurance costs?
Everyone wants to find ways to save on their insurance without compromising on the quality of protection. You can save on your policy by:
- Increasing your excess
- Improving your car’s security by keeping it in a locked garage, installing an immobiliser, or a telematics device
- If your business has two or more cars, it might be eligible for a Fleet Insurance policy which can work out cheaper per vehicle
- Pay annually
- Prove you’re a safe driver with a black box insurance policy
- Shop around – or better still, let your local Coversure office do the shopping around for you
How Much Does Business Car Insurance Cost?
How much your policy will cost depends on several factors, some of which we’ve outlined below:
- The type of car you’re driving
- Your mileage – both business and personal, social, and domestic
- Driver(s) age(s)
- The level of no claims discount you have
- What you do for a living and how you’ll be using your car at work
- Where you live and where you travel for work
- The age and driving history of any other named drivers on your policy
For a personalised business car insurance quote, contact your local Coversure office. They’ll compare their markets to find a competitive quote that suits your needs.
The best way to find out how much protection you need is to contact your local Coversure. They’ll be able to advise you as to what you need and create a package of Business Car cover for you.
Business Car Insurance FAQ
Business car insurance is a complex cover area, so to help you get the protection you need, here is Coversure’s business car insurance frequently asked questions. We hope they will be of help, but if you’d like some independent advice, contact your local Coversure office.
Do company car drivers need business car insurance?
No, they should be covered by the company
What's the difference between business car insurance and commercial vehicle insurance?
Business car insurance covers you when you use your car at work. Commercial vehicle insurance is for people such as taxi drivers, couriers, delivery drivers, and driver instructors who carry goods or people for money
My business has more than one vehicle; is there any alternative to business car cover?
If you have two or more company vehicles that need insuring, you’d be wise to get a fleet insurance quote. A fleet policy will give you flexibility, and you can insure several vehicles on one policy
How can I get a business car insurance quote?
Getting a quote is easy. Contact your local Coversure office or start your quote online today
Do I need company car insurance if employees use their own cars for work?
Yes, if employees use their personal vehicles for business purposes, standard personal car insurance may not provide adequate cover. A dedicated business insurance on car policies, such as a commercial vehicle or business use extension, ensures that vehicles used for work-related activities, such as client visits or deliveries, are properly covered. Employers should check whether their employees’ personal policies include business use or arrange appropriate coverage to avoid potential liability issues.
What does company car insurance cover?
Company car insurance typically covers vehicles owned or leased by a business, ensuring protection against accidents, theft, and damage. Policies often include third-party liability, comprehensive cover, and legal expenses. Some policies may also extend to cover employees using the vehicle for work-related travel. The level of cover depends on the specific policy chosen, so it’s important to compare options that align with your business’s needs.
Are employees automatically covered under company car insurance?
Not always. While some company car insurance policies include cover for employees driving business-owned vehicles, others require each driver to be named on the policy. If employees are using their own cars, they will need to have business use included in their personal insurance. Businesses should clarify coverage details with their insurer to ensure compliance and avoid gaps in protection.
Can I use a company car for personal use?
This depends on the terms of your company car insurance policy. Some policies allow for personal use, while others restrict coverage solely to business activities. If personal use is permitted, it’s important to confirm whether there are any limitations or additional costs associated with non-work-related driving. Employees using company vehicles for private purposes should ensure they are aware of the specific terms set by their employer and insurer.
Is fleet insurance a better option than individual company car insurance?
For businesses operating multiple vehicles, fleet insurance can be a cost-effective alternative to insuring each car separately. Fleet policies typically offer simplified management, allowing businesses to cover multiple vehicles under a single policy, often with more flexible terms. Whether fleet insurance is the better choice depends on the number of vehicles and the business’s operational requirements. Companies with several vehicles may find fleet insurance more practical and financially beneficial.
Need a Business Car Insurance quote?
If you’d like a Business Car Insurance quote from Coversure, please contact your local Coversure office or start your quote here. Our independent brokers will search their markets to find you the right policy at the right price to keep your business protected.
* Policy information is correct at the time of writing. Policy details, limits, and exclusions are subject to insurer’ changes. When taking out a policy, your local Coversure office will be able to advise you of the specifics of your cover.
