Business car insurance shaped around you
If you’re looking for short-term business car insurance, our temporary cover could be exactly what you need.
Our cover includes business use, which allows you to drive a vehicle for business purposes for as long as you want (up to 30 days).
How does temporary business car insurance work?
It’s really easy and only takes a few minutes. Just follow these three easy steps:
1. Fill out the quote form
All we need is your name, UK address, date of birth, UK licence, occupation and the registration number of the vehicle you want to insure.
2. You’ll get a quote
Tell us when you need the cover to start and how long you want it to last.
3. Buy and off you go!
To finalise the business insurance, you’ll just need your payment information, either a debit or credit card.
What is business car insurance?
Business car insurance in the UK is similar to regular car insurance – however, it also covers you for several other work-related purposes. With a regular car insurance policy, you’re only covered to drive to and from a single place of work, meaning that you’re not protected if you need to travel between different locations, visit a client, make a sales call or travel with a colleague. So, if you need to do any of those things, you need to add business cover to your policy.
The good news is that business-use insurance is included in our temporary car insurance policy at Temp Cover Now, which makes it perfect if you’re looking for any temporary business travel support.
What does our business car insurance cover?
- borrowing a car for work on a day-by-day basis
- borrowing a colleague’s car or using a company car or commercial vehicle to visit clients or other branches
- travelling to conferences, meetings and training sessions away from your usual place of work
- sharing cars and vans between employees so you can split the driving for business trips
- using a bigger vehicle to transport extra equipment or large items
- borrowing a vehicle when your business vehicle is in the garage for repairs.
Please note: This will not cover delivery use, door-to-door sales or taxi usage. It also cannot be used on hired vehicles.
Do you need business car insurance on top of your annual policy?
Your regular car insurance policy will cover you to commute to and from a single place of work. Generally, it won’t cover you for anything else related to work travel beyond that. Normally, if you’re planning to use your car for multi-site visits, visiting clients, making sales calls or travelling with a colleague, you’ll need to add business cover to your policy.
Some common examples of annual policies that don’t cover business use:
- those that cover you just for social, domestic and pleasure (SD&P) use – SD&P only allows you to drive for your own personal use
- those that have commuting cover already – this often only provides cover to and from a regular place of work
- those with added named drivers – in these cases, even if the primary driver has business use insurance, the additional drivers will likely only have business cover if it’s been requested.
How can Temp Cover Now business car insurance help you?
From hourly or one-day business car insurance to a longer policy, our temporary cover is perfect if you’re looking for short-term business cover. Our business car insurance makes a great addition to your regular annual insurance, allowing you to get that all-important protection at low cost.
Temp Cover Now business car insurance provides comprehensive cover, which means you don’t already need to have any cover on your vehicle to benefit from it. It’s also perfect for when you want to borrow a car from a family member, friend or colleague.
If you have an existing SD&P policy, you may not want to pay for business use on your annual policy when you only plan to use your personal car on business occasionally. A temporary policy may cost less than adding business cover to your annual package so, if you only need to use vehicle for business on rare occasions, temporary business insurance is the answer.
Who is eligible for business or company car insurance?
We can cover most drivers aged 18 to 75 years old, along with many UK-registered vehicles (subject to vehicle and underwriting criteria).
Vans up to 3.5 tonnes gross vehicle weight (GVW) can be covered. You can find out more about our business car insurance acceptance criteria below in our key documents.
How much is business car insurance?
One of the main benefits of taking out our temporary business insurance is that it offers a great-value solution instead of adding business cover to your regular annual policy. As for how much your business car insurance will cost, that depends on a various factors, including how long you want cover and the type of vehicle you’re driving.
We can give you a quote for your business car insurance cost in a matter of minutes. Simply fill out our quick and easy quote form – we just need a few basic details and when you need the cover to start and end – and we’ll give you a price for your policy.
Why choose Temp Cover Now temporary business car insurance?
Still deciding whether temporary business car insurance is for you? Here are the key things you should consider: