Business Car Insurance

If your job requires you to drive your own vehicle for business purposes, then you need a higher level of coverage than just social, domestic and pleasure and commuting.

Business car insurance is designed for road users who use their car as part of their working day.

What type of business car insurance do I need?

When applying for business car insurance, you can expect to be asked for some information about what your business use entails, and how much work-related mileage you will accumulate.
Private and occasional business use policies cover the main driver or their spouse who only occasionally have to drive a vehicle for work, but in a vehicle that is not registered in the businesses' name. It must not be used for an essential part of the job, like that of a door-to-door salesperson, for example.
Private and business use policies cover the same parameters as private and occasional business use policies, but in this case the vehicle can be registered to a business and cover any driver.

Commercial travelling policies cover people for whom driving is a permanent aspect of their job, such as a travelling salesperson.

It is very important to be clear which of the three types your business use belongs to, because failing to understand the difference could leave you under-insured, and in the event of a claim you may find the insurer refusing to pay out.

Keeping the cost of business car insurance down

You may be able to negotiate a cheaper business car insurance quote with your insurer by agreeing on a mileage limit. This method relies on you being able to prove that you only travel limited distances, so you should only agree to a feasible limit.
As with any insurance policy, you may be able to lower your premium by installing security devices that are approved by the insurer, such as an immobiliser or steering wheel lock.
Parking your car in a secure location like a locked garage overnight is also looked upon favourably by insurers. If your car is parked in a secured business premises overnight, then tell your insurance company.
If you are buying a new vehicle which you are likely to be using for business purposes, you might consider one with a smaller engine as they tend to attract lower car insurance premiums.