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If you use your car for more than commuting to your place of work, you need to consider the safety of yourself and any passengers when it comes to business use. We explore the things to consider when you’re looking for business car insurance cover.
Business car insurance provides cover for you and your car if you use it for work. A standard car insurance policy may cover you for commuting to and from your workplace – but not for times when you use your vehicle for business purposes.
For anything more than travelling to and from a permanent place of work, you need to consider additional business car insurance.
Business car insurance covers you using your own car when you need to use it for business purposes. It could be time to consider adding business use to your car insurance policy if you do any of the following:
It’s important that you are open about how you’re planning to use your vehicle when you request a quote, as if you don’t have the right level of cover and you are involved in an accident, your claim may be invalid.
Social, Domestic and Pleasure (SDP) is the base class of use, and then Saga offer three further choices. Details of all four classes of use are listed below:
When you’re looking for business car insurance quotes, you’ll need to choose either SDP + Personal Business Use or SDP + Business Use.
If you are using your own car to do your job, other than commuting to and from a single place of work, you will need business car insurance. If you are driving a car that belongs to your employer, you will be covered by company car insurance instead.
When you drive your car for business, you won’t be covered by a standard car insurance policy unless you have chosen to add business use.
You can add business car insurance cover when you are looking for a new policy, or it can be added on to your current policy when your circumstances change.
Business car insurance will include cover for all the usual activities that a standard car policy covers. It will also share the same exclusions – for example, you won’t be covered for wear and tear or if your belongings, such as your laptop or briefcase, are stolen when you leave the car unlocked.
In addition, business car insurance may not cover goods, samples or tools carried in connection with any trade or business.
If you’re driving people around to make money you will need to consider taxi insurance, and if you use a van to commute to work or as part of your job you will need commercial or business van insurance.
Business insurance cost is dependent on multiple factors, such as:
If you’re self-employed, you can claim for car insurance as an allowable business expense in your self-assessment tax return.
If you drive your own car for work purposes and you’re employed, companies typically reimburse their staff for business miles, an allowance that should include costs of wear and tear and extra costs of insurance. However, it is your responsibility as the driver to make sure you have the right car insurance cover in place.
Employers are legally responsible to ensure all vehicles used for work purposes are correctly insured.
Whoever pays for your business car insurance, it’s important that you have the right cover in place before you start to use your car at work.
Your standard car insurance policy provides cover when you use your car for voluntary work – as long as you get no financial gain and the work is voluntary.
Before you start to use your own car for work, except for commuting to and from a single place of work, which is covered by Social, Domestic, Pleasure and Commuting, you will need business car insurance.
You’ll need to have business car insurance cover as an addition to your policy.
You need to have car insurance for business use in place if you use your car when you’re at work. Choosing a standard policy that covers commuting only covers you for travel to and from one place of work. It’s your responsibility to make sure you have the right level of cover in place for the way you plan to use your car.
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