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Business Car Insurance: Do You Have the Right Cover for Your Work Use?
If you use a vehicle for work, it’s essential to ensure your insurance policy covers your actual business needs. Whether you’re self-employed, run a…
Business CarInsurance
Business Car Insurance
Cover for cars owned by your limited company, for directors and employees making client visits, meetings and work journeys beyond commuting.
Cover for cars owned by your limited company, for directors and employees making client visits, meetings and work journeys beyond commuting.
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Limited company carsDirectors & employeesBusiness & social use
Compare from 20+ Insurers
Talk to a specialist 0330 808 1900
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What is business car insurance?
Business car insurance covers your car when you use it for work, travelling between sites, visiting clients or attending meetings. It does not cover using your car to carry goods or passengers for payment, which is classed as hire and reward and needs a different policy.
“Many drivers only discover their business car insurance was wrong after a claim gets refused.”
The right cover depends on:
How you use your car for workWhere you park overnightHow often you make business journeysYour driving history and convictionsWhether other people also need business useThe level of cover you choose
Important Note
Delivering food or parcels for payment? Business car insurance won’t cover you. Carrying goods or passengers for payment is hire and reward, no class of business use includes it, and a claim made while delivering would be refused. You need food delivery or courier insurance instead.
Which business car situation applies to you?
Which business car situation applies to you?
Business car cover depends on who owns the car and who drives it. These are the arrangements we see most often.
Business car cover depends on who owns the car and who drives it. These are the arrangements we see most often.
Company Car Insurance
A company-owned car allocated to one named director or employee, with private use allowed.
Pool Car Insurance
A company-owned car shared between employees and kept at your premises, with any-driver access.
Business use, whatever car you drive
Cars of every type and fuel can be insured for business use.
Car
Estate
SUV
Hybrid
Electric
Different cars. Same business use rules.
Which class of business use do you need?
Business use is often split into classes. Exact definitions vary between insurers, and none of these classes cover carrying goods or passengers for payment.
Do others also need business use on your car?
The right structure depends on whether you're the only person using the car for work.
Commuting or business use? How to tell the difference
Insurers generally draw a line between ordinary commuting and business use. As a guide:
Signs you need business use, not just commuting
You visit clients or customersYou occasionally carry work equipmentYou travel to more than one workplaceColleagues sometimes need to drive tooYou attend off-site meetings or trainingYour journeys vary week to week
How the quote process works
How the quote process works
Simple steps. Expert advice. The right cover for your business.
Simple steps. Expert advice. The right cover for your business.
1
Tell us what you need
Tell us who the car is allocated to, whether private use is included and how it's used.
2
Talk to an expert
We'll talk through your driver and private-use arrangement and confirm the right cover.
3
Compare your options
We'll explore suitable named-driver and any-driver options from our insurer panel.
4
Get covered
Once you're happy, we finalise your policy and send documents so you're covered right away.
UK-based specialist advisersAccess to specialist insurersNo obligation, just expert helpWhen things go wrong, we're here to help
We'll guide you through the claims process and liaise with insurers when you need to make a claim.
Trusted by thousands of businesses across the UK
Trusted by thousands of businesses across the UK
From occasional client visits to daily business travel, our customers trust Insurance Revolution to find the right cover and expert support.
From occasional client visits to daily business travel, our customers trust Insurance Revolution to find the right cover and expert support.
Business car insights & guides
Business car insights & guides
Practical advice on business use, Class 1/2/3 cover and choosing the right policy.
Practical advice on business use, Class 1/2/3 cover and choosing the right policy.
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Frequently Asked Questions
Frequently Asked Questions
Find quick answers to common questions about business car insurance, business use, commuting, classes of cover and using your car for work.
Find quick answers to common questions about business car insurance, business use, commuting, classes of cover and using your car for work.
No. Delivering food or parcels for payment is carrying goods for hire and reward, which every class of business use excludes. If you drive for Deliveroo, Uber Eats, Just Eat or similar, you need food delivery or courier insurance instead, a business car policy would not pay a claim made while delivering.
Still have questions?
Our advisers are here to help you find the right solution.
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