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Limited Company Car Insurance
Limited Company Car Insurance
Insure a car allocated to one named director or employee, including private use, with cover built around your limited company car scheme.
Insure a car allocated to one named director or employee, including private use, with cover built around your limited company car scheme.
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Cars owned by the businessBusiness & private useDrivers added anytime
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Talk to a specialist 0330 808 1900
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What is company car insurance?
Company car insurance covers a vehicle provided by your business to one named director or employee. Unlike a pool car, it's normally allocated to that person specifically, and can often be used privately as well as for work.
Many businesses assume a standard business-use policy is enough without checking whether private use, including commuting, is actually included, which can leave the driver personally exposed.
Getting the right company car policy depends on:
Who the car is allocated toThe driver's role and business mileageWhether private use, including commuting, is allowedWhether the company owns, leases or contract-hires the carThe car's value, CO2 emissions and BIK bandingHow many company cars you run
Does providing a company car create a taxable benefit?
If a director or employee can use a company car privately, including ordinary commuting, this is normally treated as a Benefit in Kind (BIK) and needs to be reported to HMRC:
Company car cover for how your business operates
Company car cover for how your business operates
Here’s what matters most, and the questions worth asking before you arrange cover.
Here’s what matters most, and the questions worth asking before you arrange cover.
Directors
For directors who need a reliable, personally-allocated company car for business and private use.
Senior Employees
For senior staff provided with a company car as part of their role or benefits package.
Client-Facing Staff
For employees who regularly travel to meet clients or attend appointments.
Sales & Regional Roles
For staff covering a wide territory who rely on a dedicated company car.
Growing Companies
Companies allocating their first few company cars to key employees.
Established Schemes
Businesses managing an established company car scheme across several employees.
Which company car arrangement fits your business?
The right cover depends on who the car is allocated to and whether private use is included.
One company car or several?
Whether you're providing your first company car or managing a growing scheme, the right policy structure makes it easier.
Protect more than just the car
Depending on your scheme, you may need additional protection beyond the vehicle itself.
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 your covered right away.
UK-based specialist advisersAccess to specialist insurersNo obligation, just expert helpTrusted by directors and businesses across the UK
Trusted by directors and businesses across the UK
From a single director's car to a full company car scheme, our customers trust Insurance Revolution to get the right cover and expert support when it matters.
From a single director's car to a full company car scheme, our customers trust Insurance Revolution to get the right cover and expert support when it matters.
Company car insights & guides
Company car insights & guides
Practical advice on director cars, private use, tax and choosing the right company car cover.
Practical advice on director cars, private use, tax and choosing the right company car cover.
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Frequently Asked Questions
Frequently Asked Questions
Find quick answers to common questions about company car insurance, private use, director cover and Benefit in Kind tax.
Find quick answers to common questions about company car insurance, private use, director cover and Benefit in Kind tax.
Company car insurance covers a vehicle provided by a business to one named director or employee, including business use and, where agreed, private use such as commuting.
Still have questions?
Our advisers are here to help you find the right solution.