Car Insurance Additional Driver Business Use

Business use for all drivers these offer a similar level of cover as the option above but with the additional benefit that more than one driver can be included on the policy. Even if a company hires you solely to drive for them if you own or lease the vehicle you re driving the insurance is your responsibility.

What Is Business Car Insurance Business Insurance

Additional drivers should only be added if they do drive the car occasionally.

Car insurance additional driver business use. Additional excess an additional excess on top of the policy excess as detailed below shall apply for accidental loss or damage whilst driven by. In some cases you need to have a special business use endorsement on your car insurance policy. Your employer might reimburse you for your travel expenses.

You can make changes to your car insurance policy by calling us on 0800 633 5211. This might cover both the additional insurance and your fuel. As with class 1 deliveries and door to door selling aren t covered.

And you should be the main driver. That s because using your car to make deliveries is considered a business use not personal use. Others provide insurance which covers their employees for any accidents which occur while driving their own car.

If you drive a company car your employer should take care of your business use insurance for you. Business use coverage also protects drivers who use their car to deliver packages or other items aside from food. For more information about what s covered by your insurance please check your policy wording and check your certificate and schedule.

If so you might not need business use insurance at all but it s always best to check. This is illegal and may invalidate your policy and even land you in court. If you have to travel to more than one place of work or you re a travelling or commercial sales person for example you ll need to let us know that your vehicle is used for business.

Commercial travelling policies these can cover people who drive as a permanent aspect of their job. Class 3 this is the most expensive class and usually covers unlimited long distance driving and door to door selling. Class 2 this offers the same as class 1 but includes an additional named driver who ll usually work for the same business.

If you drive your personal car for business purposes you may need to carry commercial insurance. If the person who uses the car most is listed as an additional driver this is known as fronting. Certain types of use such as chauffeuring or taxi driving will normally require a specialist insurance policy.

A business cannot force you to insure a car that they own. Insurance history applicant and all named drivers have never been declined or has any policy cancelled or renewal refused or subject to special terms. Named young and or inexperienced drivers s 1 500.

Using Your Car For Business Purposes Will A Standard Car Insurance Policy Cover You Money Radiotimes