Business Car Insurance

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Why Compare Cheap Business Car Insurance Quotes With SimplyQuote

When choosing the perfect business car insurance, the options can seem endless and confusing. Add to that the different variables that affect the price and suitability of these policies and the decision seems even more difficult.

That’s where SimplyQuote steps in.

The online comparison tool streamlines this entire process, allowing you to secure your perfect business car insurance policy within minutes! Not to mention, you’ll also receive invaluable peace of mind knowing that you’re protected while out on the road.

What Do You Need To Get A Business Car Insurance Quote?

To get a business car insurance quote, we just need a few details:

  • Your details: Name, age, home address, driving history, driver’s licence
  • Vehicle details: Make, model, year, mileage, registration number
  • Business details: Business name, business address, average distance you will be driving, how often you will be driving, where you will be driving, the nature of your business
  • Insurance requirements and add-ons: Class 1, 2 or 3
  • Claims history

Why Do You Need Business Car Insurance?

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What Does Business Car Insurance Cover?

What Are The Benefits Of Business Cover For Your Own Vehicle?

What Are The Types Of Business Car Insurance?

Three classes of business insurance policies are available.

Class 1

This type of business car insurance covers your car when visiting clients and driving to different work locations. For instance, you’re a care worker visiting various patients at different nursing home locations.

It tends to be the cheapest type of business insurance.

It won’t cover deliveries or door-to-door sales.

Class 2

This type of business car insurance is slightly more expensive than Class 1 cover but allows you to add a named driver to your policy – typically a co-worker.

Class 2 also does not cover deliveries or door-to-door sales.

Class 3

Class 3 is the most expensive type of business car insurance, also known as “commercial travelling insurance”. It’s the best option for salespeople who travel around the country.

As the name suggests, it includes cover for commercial travelling and travelling long distances.

It won’t cover commercial merchandise like wholesale deliveries but will pay out if sample stock is damaged.

Note: All classes include social, domestic and pleasure (SD&P) use.

What Levels Of Business Car Insurance Are Available?

What Add-Ons Can You Get For Business Car Insurance?

There are many extras you can add to your business vehicle insurance policy, from courtesy car cover and breakdown assistance to EU cover – and beyond.

Let’s take a closer look:

Courtesy car cover

This will cover the costs of a replacement vehicle whilst your own vehicle is being repaired or replaced. It means you can continue to perform work-related activities until your car is ready.

Breakdown cover

Having breakdown cover in place means you’ll be covered for roadside assistance if your car breaks down.

No claims discount protection

Your no-claims bonus is protected even when making a claim.

Replacement keys cover

This covers the cost of replacing car keys if they’re stolen, damaged or lost. Some insurers won’t pay out on these policies if you lose the keys yourself, so it’s best to check with them before you take out replacement keys cover.

Motor legal protection

This policy helps cover the costs of legal fees related to third-party claims or disputes.

Multi-car cover

This policy allows you to drive more than one vehicle under a single business car insurance policy.

Personal accident cover

Having this type of cover means your insurer will pay out if you’re injured or killed in an accident.

Windscreen cover

This optional extra means you’re covered if your windscreen is cracked or broken. You’ll be covered for the costs of repairing the windscreen or replacing it if necessary. Please note, that this cover may be included in fully comprehensive plans and is best to check with your insurer beforehand.

International driver insurance (EU cover)

This means you’re fully covered to drive abroad in EU countries. It’s a particularly good idea if you regularly drive across the UK border for work.

Temporary business insurance

Some insurers may offer temporary business car insurance if you use your car intermittently for business purposes. Let’s say you occasionally need to travel between different locations or pop to the post office or bank to cover a co-worker who is on leave.

Temporary business car insurance is a flexible, short-term cover ranging from one hour to 30 days.

How Much Does Business Car Insurance Cost?

How Can You Get Cheaper Business Car Insurance?

Try some of these handy tips to make your business car insurance cheaper:

Temporary business car insurance

As mentioned, if you only need to use a car for work-related purposes occasionally, it will work out cheaper to take out temporary cover for the period you’ll be driving. Many insurers offer this, usually ranging from one hour to 28 – 30 days.

Black box policies

This type of policy is where your insurer installs a telematics device into your car to monitor your driving habits. If the data shows you’re a responsible driver, your insurance premium will be reduced over time.

Pay yearly

Many insurance companies will charge you less for your policy if you pay annually instead of monthly. Annual payments also eliminate monthly interest rates.

Higher voluntary excess

Most insurers will give you the option of paying higher excess to reduce your insurance premium. However, this does mean that you will have to pay more in the event of an accident.

Choosing a car in a low insurance group

Cars that are in a lower insurance group are considered to be safer, and this means that they’re cheaper to insure. The lowest is Group 1, and cars within this group are usually cheaper to insure.

Reduce your mileage

If you drive fewer miles, you will be less likely to be involved in an accident, and your insurer will usually lower your insurance premium.

Compare quotes

Make sure to get several different quotes from a few insurers so you can compare and see which is the most affordable option for you.

Secure vehicles

Keep vehicle(s) in a safe and secure location when not in use. This includes a locked garage, private driveway, installing alarms/immobilisers and CCTV camera surveillance.

Don’t over insure

Only choose the class cover needed for your business-related activities and keep policy extras to a minimum. Essentially, only pay for the cover you actually need.

How To Compare Business Car Insurance Quotes With SimplyQuote

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Frequently Asked Questions

What is business car insurance?

Business car insurance is a type of motor vehicle insurance that covers your car if you’re using it for work-related purposes. These business activities may include, visiting clients, going to the bank or driving between different sites as part of your job. It does not cover taxi or delivery drivers.

Does normal car insurance cover business driving?

No, normal car insurance will not cover you for business use. You will need specialised motor vehicle insurance to use your private car for business purposes.

There are three types of standard car insurance, namely:

  1. Social, domestic and pleasure (SDP) – covers you for personal driving (e.g. visiting friends)
  2. SDP and commuting (SDP & C) – covers you for commuting to and from work.
  3. SDP & C and business use – covers you for driving for domestic, leisure and social reasons, commuting and using your car at work.
Who pays for my business car insurance?

The short answer is: it depends.

If you drive business vehicles, your employer usually covers these cars (and insurance) within their commercial car insurance policy, typically as fleet cover. If not, either your employer will reimburse you for your business car insurance in full or contribute towards it.

If you’re self-employed, you’ll need to cover the costs yourself.

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

While both are a type of vehicle insurance used for business purposes, there are slight differences.

  • Commercial car insurance is needed if your vehicle is an integral part of day-to-day business operations (i.e. you can’t perform your job without your car). This typically applies to salespersons who spend most of their time on the road. You’ll also need commercial car insurance if you’re a taxi driver, driving instructor, delivery driver or operate a fleet of commercial vans/trucks.
  • Business car insurance is when you use your car for business activities from time to time (i.e. you can perform your job with or without a vehicle). This is generally needed if you occasionally drop off samples, drive between different sites or pop out to the bank for your employer.
If I’m self-employed, am I entitled to a tax reimbursement on my car insurance?

Yes. HMRC considers business car insurance an allowable expense alongside breakdown cover, parking fees, fuel costs, servicing and repairs, licence fees and hire charges. So, if you’re self-employed and use your car for work, you can apply for tax relief.