Car Insurance For Business Use Uk
What is business car insurance.
Car insurance for business use uk. Ordinary car insurance policies won t cover business use so it s important to make sure your car is insured at all times. Flexible cover designed for limited companies and partnerships with up to four vehicles. Third party fire and theft. As with standard car insurance business insurance policies come in various shapes and sizes with different types of policy offering different kinds and levels of cover.
This is different to a standard policy which only provides cover for social use and commuting. If you commute to more than one place of work or if driving your vehicle is a part of your job you ll need to make sure you are covered for business use as well or you risk invalidating your insurance. Covers any damage caused by you to another driver their vehicle or their property. Business car insurance commonly referred to as a business use covers your own car when when your job requires you to use it for work purposes.
Business use by you and or your spouse this simply extends the cover provided for business. Business use by you this covers all of the above plus your business related driving away from your normal place of work. Business car insurance provides cover for business use other than commuting. Covers your own vehicle if it s stolen or damaged in a fire.
Adding business use to your annual car insurance policy can often increase your premium because your insurer will assume that you. Business car insurance covers your car if you use it for work. The three main levels of cover are. Many business owners are surprised to learn that it s often cheaper to issue cover as separate policies for each vehicle as it allows them to benefit from the flexibility of choosing the right insurer and policy for each car.
If the car is being used in connection with work beyond simply commuting you ll need a level of business insurance cover. The problem is many people aren t sure what counts as business use as linda wells head of underwriting at admiral explained. You need to know the type of use you ll need for your car something a lot of people can get confused about. Commercial car or vehicle insurance is used for taxis trucks delivery vans and business fleets.
For example will it be for basic social and every day driving or do you need business car insurance. Like regular vehicle insurance it offers three levels of cover third party third party fire and theft and comprehensive insurance. Business vehicle insurance which is also known as commercial vehicle insurance is a legal requirement in the uk and protects you if you use your car or van for work related purposes. Anyone whose job demands they drive their own car for the purposes of their work will need to pay for business car insurance.
People often think that standard personal vehicle insurance policies cover them for work too but this isn t the case.
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