Temporary Business Car Insurance

You must tell your insurer exactly what you’re using your car for. This is because you won’t be covered if your car isn’t being used for the reasons you said it would be.

If you regularly drive for work, you’ll likely need to tell your insurer that you need business use cover throughout the year. If you typically use your car for social and domestic driving and then you’re asked to drive to a last-minute client meeting or you need to borrow a colleague’s car for a work trip, you still need cover.

Updating your annual policy can be time-consuming, so that’s where our temporary business car insurance comes in. We offer you short-term cover for anything from one hour to 28 days. This is a separate policy that won’t affect your standard insurance.

There are different categories – known as ‘classes’ – when it comes to car usage. Insurers use these to determine the level and type of cover that’s needed. It’s worth double-checking the car use class on your annual policy before you buy temporary business car insurance – it may be that you’re already covered to drive for work reasons.

The classes are: 

• Social, domestic and pleasure: You can do normal day-to-day driving, such as visiting friends and family or doing the school run. This class will not cover you if you drive your car to work.
• Social and commuting: This includes what’s covered in a social, domestic and pleasure policy, but it also covers commuting to your workplace. You’ll need this type of cover even if you don’t take your car all the way to work. This level of cover is just for commuting, however. It doesn’t allow you to drive your vehicle for any kind of business use. 
• Business (Class 1): This applies if you use your vehicle for anything relating to the work you do, like if you need to travel to another office or site. Commercial travelling is often covered by this level of insurance too. 
• Business (Class 2): This is similar to Class 1, but it also allows a named driver on the policy. 
• Business (Class 3): This is for people who frequently travel between business locations.
• Commercial: This is for those who primarily use their car for business – for example, if you were a taxi driver or a driving instructor.

We offer cover from an hour that gives you the same flexible, comprehensive cover that you’d get if you wanted to purchase a standard daily or weekly car insurance policy. 

Whether you need business car insurance for an hour or 28 days, our temporary cover can give you peace of mind. Getting a quote is quick and easy and your policy can begin instantly. There are no long-term contracts, you’re not tied into anything, and you only pay for the cover you need.

Getting a quote from us is straightforward. To get your quote underway, let us know:

• Your car’s registration number
• The estimated value of your car
• Your name, date of birth, and address
• Your driving licence number and type
• Your email address and phone number
• When you’d like your temporary business car insurance to start

We’ll send them to the email address you provide us with as soon as your policy is confirmed and your payment has gone through.

After that, you’ll be ready to get to that meeting or business conference!

You can find out when your business car insurance expires by checking the ‘You’re Covered!’ confirmation page or via the secure link in your confirmation email.

If something does happen on the road and you need to make a claim, your insurer’s dedicated claims-handling team will help. You’ll find the claims number to call displayed on your Certificate of Motor Insurance or policy wording. 

Once it’s safe to do so, call your insurer as soon as you can. This is especially important if you need your vehicle to be recovered.

Yes, if you plan to drive someone’s car it’s sensible to get a temporary policy of your own so that the registered keeper’s No Claims Discount isn’t compromised if there’s an incident while you’re on the road.

Short-term insurance might not be the best choice for some drivers.

• If you need cover for a longer period (more than 28 days), an annual policy might be more cost-effective
• Being added to someone else’s annual policy can work out cheaper, but it’s important to be aware that any claim could affect their No Claims Discount 
• If you’re hiring a car for business use rather than borrowing one, a temporary policy won’t cover you

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