Business Use Car Insurance

Much the same as class 1 but covers you the policy holder and a named driver.

Business use car insurance. If your employer won t insure the car you need additional coverage under your personal auto policy. Business use car insurance may be useful for individuals who use a car for personal purposes as well as in the course of business. In practical application the pap extends coverage for the business use of a your covered auto provided it s not used to carry people or property for a fee i e uber or lyft.

Business car insurance can cover a wide range of uses such as travelling between different work locations visiting customers or driving around other employees. It s not the primary use of the car but nevertheless requires a slightly higher level of cover. Absent material misrepresentation in the application regarding the use of the vehicle the pap responds to an incident arising from business use.

This is different to a standard policy which only provides cover for social use and commuting. You use your car to drive to places for work for example such as switching between sites. Vehicles that are the business.

Using your car to commute to the office doesn t count as work or part of your job. If your business activities are covered by your personal car insurance policy or by the company s commercial insurance policy then you should be safe. Because of the number of miles these drivers are accruing a lot of insurance providers will insist on a separate policy for business use.

But some carrier s apply specific business use exclusions few. Anything in fact that s on behalf of the company. Fill out the quote form all you need is your name permanent home address date of birth occupation and the registration number of the car you ll be using for business.

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 insurance allows you to drive on behalf of a company or employer and covers a wide range of uses such as travelling between job sites and visiting customers. If you re given a company car as an employment benefit it should be covered by your employer s policy.