What is Business Car Insurance?

Our Business Car Insurance is designed to cover vehicles that are owned or registered in a company name and used for work-related purposes beyond normal social and commuting use.

Unlike standard Private Car insurance, it provides the correct level of cover for Business Use such as visiting clients, travelling between work sites, attending meetings, or carrying out day-to-day commercial activities. Business Car insurance ensures you’re properly protected when using your vehicle as part of your work.

Why do you need Business Use?

If you use your car for work purposes beyond commuting to and from your usual place of work, you’ll need Business Car insurance. It ensures you’re properly protected when using your vehicle for work. It gives you the right cover for business-related driving, helping you avoid gaps in insurance that could leave you exposed in the event of a claim.

Business Car insurance helps you:

• Stay legally compliant – Many work-related journeys are not covered by standard Car insurance
• Protect your business finances – Accidents, repairs, and claims can be costly
• Avoid invalid claims – Insurers may refuse claims if your cover doesn’t match your usage

It helps safeguard both your vehicle and your business whenever your car is part of your work.

Classes of Business Car Insurance We Can Cover:

Business Car insurance is usually divided into different classes, depending on how you use your vehicle. We can cover Class 1 and Class 2 Business Use.

Class 1 Business Use:

Class 1 Business Use covers low-risk, occasional business travel and is suitable for many sole traders and employees.

It typically includes:

• Driving to visit clients or customers
• Attending meetings or training sessions
• Travelling between multiple work locations
• Business use by one name Named Driver (usually the policyholder)

Class 2 Business Use:

Class 2 Business Use offers broader cover and is designed for businesses where more than one person needs to use the vehicle for work.

It typically includes:

• All the cover provided under Class 1
• Business Use by the policyholder and a named employee, partner, or spouse
• More frequent business travel than Class 1

Class 2 Business Use is suitable for small business owners who share a vehicle with someone else for work purposes.

However, the above does not cover commercial deliveries, courier or haulage work, or carrying goods for hire and reward.

What We Can Cover:

Our Business Car insurance is designed to provide flexible and reliable cover for vehicles insured in a company name, with options to suit a wide range of businesses.

We can offer cover for:

• Drivers aged 24 – 75 years of age
• Companies and up to 4 Named Drivers
• Vehicles aged 0-6 years (Vehicles aged 7 years or older would be subject to a referral)
• Annual mileage up to 20,000
• Introductory No-Claims Bonus accepted on claim-free Business insurance
• Vehicle Values from £4,000 up to £50,000 (Flexibility may be available depending on location)
• Drivers that have a Full UK/EU licence for at least 24 months

If you have any questions, or want to know more about our Business Car insurance please get in touch and speak to one of our experts.