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Searching for the best deal on your business motor insurance? Compare the cheapest deals and get cashback on top!

business motor insurance
business motor insurance

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Business Car Insurance Explained

Business car insurance is necessary for those who use their car for work-related purposes. If you’re travelling to different offices, or regularly crossing the country for business reasons, you’ll need a business car insurance policy. 

Do you need business car insurance?

Business car insurance is necessary for those who use their car for work-related reasons. Visiting clients, travelling between offices, driving to customers, or regularly going to the bank for work are all reasons to get a quote. Those who drive other work colleagues around will also need business insurance.

If you have a car accident during a work-related activity but you only have a policy that covers social, domestic and personal use, your insurer can refuse to pay out, and you may also be committing an offence.

You don’t need a business car insurance policy for commuting to one place of work. However, if you’re concerned, it’s worth checking with your insurer. If a car forms part of your occupation, as it would for a delivery driver or a courier, you’ll need commercial car insurance instead.

How is business insurance calculated?

Some insurers may view business use as higher risk, as it often involves driving more miles on less familiar roads, often during rush hour. Other insurers may view driving for business use as more careful, and therefore lower risk than driving for social or commuting purposes. There are no hard and fast rules, so be sure to shop around for the policy that fits your needs best.

Business insurance quotes are also calculated based on the driver, the car and the type of policy you need. 

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Our expert says

‘Business car insurance is essential if driving takes up a good chunk of your working day, if you visit clients for example. Remember, commuting doesn’t count, and those using their vehicle to deliver goods will require commercial car insurance instead.’

Curtis Moldrich - automotive journalist 

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What types of business car insurance are there?

Business car insurance comes in lots of different forms, though most policies can be divided into three areas or classes.

Business use by you

Usually referred to as class one, the lowest type of business insurance covers driving between work locations and visiting customers and clients. It protects you for the minimum and is therefore the cheapest type of business car insurance.

Business us by you and another

Usually referred to as class two, this type includes the same as class one, but also introduces the possibility of adding a co-worker as a named driver on the same car. As you’d expect, that extra cover comes with a slight increase in price.

Heavy business use with you and another

Usually referred to as class three, this type of business car insurance covers long-distance driving on a regular basis. It’s not needed for everyone but is intended for occupations such as door-to-door sales that come with a lot of miles. The actual delivery of goods is different, however, as that would require a commercial car insurance policy.

What do I need to get a business car quote?

Details of your car

To get your business motor insurance quote, you'll need to give us details, including registration, if possible.

Licence & Convictions Info

We'll need details of your driving licence, plus any convictions or points. And the same for any additional drivers.

Claims & Accidents History

Had any accidents or claims in the past 6 years? We will need the details to give you an accurate quote.

No Claims Discount

We will need the details of your NCD, which you get for no claims each year on your car insurance. If your accept your quote, you'll need to provide proof.

Other Drivers

You will need to provide details of any other drivers, such as fellow company employees, that will be using your vehicle on this policy.

How can you make it cheaper?

Get a suitable car

Insurance is partly calculated on the type of car you’re trying to get insured on. Cars are sorted into a group between 1 and 50 for insurance purposes, and generally the lower the group, the lower the premiums.

Voluntary excess

You can reduce your premiums by upping your voluntary excess and agreeing to pay more before the insurance company pays the rest. While it may seem like a great idea to hike your voluntary excess up, remember that you may have to pay it one day, so make it affordable. 

Telematics / black box

Designed to record data such as speed and acceleration, a black box essentially records your inputs and shows if you really are a safe driver. Premiums will go down if you’re willing to have your driving under the microscope.  

Compare and get cashback

By comparing insurance policies here at Quidco Compare, you could save money and earn £35 cashback.

Fleet Insurance

Businesses with three or more cars may qualify for fleet insurance, which often works out cheaper. 

Increase the security

Make sure your car uses a modern immobilizer or tracking device. Securing your car in the garage overnight may also help push your premiums down. 

Business Car Insurance FAQs

Will work reimburse me for business car insurance?

This will vary between employers. Some workplaces may treat insurance and fuel costs as expenses, while others may pay you back via business mileage allowance. 

What’s the difference between business car insurance and commercial car insurance?

Business car insurance covers your car when it’s used for work purposes, such as travelling to different offices, clients or customers. It can even include a co-worker as a named driver. However, if your vehicle is used for the delivery of goods or to directly generate income, as it would in a taxi or truck, then you’ll need commercial car insurance.

Related guides

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Looking for a cheap insurance quote? Check out this guide, which covers some of the main ways to get cheaper car insurance. Read now

Multi-car insurance explained

Do you live in a household that has multiple vehicles? Find out how to save money with our helpful guide to multi-car insurance. Read now

How is car insurance calculated?

We help you understand just how car insurance companies produce their quotes and calculate what you pay in this latest guide. Read now

Useful information

Please note: by clicking the "Get a quote" button, you consent to your details being used by the comparison partner and insurance quote providers. Don't worry they won't call or email though.

When using the Compare service, you must take reasonable care to answer insurers questions fully and accurately and if you volunteer other information, you must take reasonable care to ensure that the information is not misleading. If any information that you have provided changes before you take out your insurance, during the life of the policy or at renewal you must inform the insurer or broker of the change. If you deliberately or carelessly misrepresent any information in relation to this insurance, then your policy may not pay all, or part, of a claim and could in certain circumstances be avoided altogether.

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*Quidco ran a prize draw between 22.07.20 and 05.08.20 asking participants to test us by comparing two car insurance quotes: one from Compare and one from any other UK comparison site. Out of 2,392 participants, 82.25% received a lower premium from Compare with their cashback included.