Competitive Business Car Insurance


Want to save money on your business car insurance? We can offer competitive quotes for annual and temporary business car insurance that comes backed by award-winning customer service. For independent advice and a great value business car insurance quote, call us today on 01482 434343 or request a callback.
Business Car Insurance Backed By ‘Exceptional’ Service
Want to save money on your business car insurance? Let the company car insurance specialists at Coversure compare our markets to find you the commercial car insurance that’s right for you. We can offer competitive quotes for annual and temporary business car insurance that comes backed by award-winning customer service.
For independent advice and a great value business car insurance quote, call us today on 01482 434343 or request a callback and let our team compare the market to help you get cheaper commercial car insurance.

Call us today on 0800 977 6037 and let our award-winning team help you.
Call us today on 0800 977 6037 and let our award-winning team help you.
Why choose Coversure for your Business Car Insurance?
Our award-winning team is rated as ‘Exceptional’ by feefo, and with over 50 years of business car insurance experience, you can rest assured you’re in safe hands. Being independent, we can put your needs first. We’ll get to know your requirements before comparing the market to find you great commercial car cover for a great value premium. To find out more, call us free on 01482 434343, request a callback or get your business car insurance quote today.


Business Car Insurance backed by ‘Exceptional’ service
Our award-winning team is rated as ‘Exceptional’ by feefo, and with over 50 years of company car insurance experience, you can rest assured you’re in safe hands. Being independent, we can put your needs first, and we’ll compare the market to find you great cover for a great value premium.

What is Business Car Insurance?
Business car insurance, or company or commercial car insurance, is a specialist type of car insurance that’s designed to protect drivers who either have company cars or drivers who use their cars for work-related purposes.
If you’re using your car to commute to one place of work, then a standard car insurance policy should give you the protection you need. If, however, you use your car to visit clients or travel between offices or job sites, then you’ll need business car insurance. When you get your car insurance quote, talk to your insurance broker about your driving and they’ll give you the opportunity to choose between:
- Social, domestic and pleasure (SDP) – which covers you for driving to the shops, visiting friends and other day-to-day driving
- Social, domestic and pleasure and commuting – which also covers you for commuting to and from your regular workplace
- Social, domestic and pleasure, commuting and business use – covers you for driving for day-to-day driving, commuting and using your car for work purposes too
Who needs Business Car Insurance?
Business car insurance is for people who use their car for work purposes. If you’re using your car to commute to one location, then standard car insurance will be fine, but if you’re doing any of the activities listed here, you should get a commercial car insurance quote.
Transporting goods or business equipment for work
Doing work-related errands, such as driving to the bank or getting supplies
Driving between different workplaces or job sites such as other offices or branches
Delivering supplies such as office stationery to another place
Driving a company car
Giving colleagues lifts to meetings/events

Who needs Business Car Insurance?
Business car insurance is for people who use their car for work purposes. You won’t need it for commuting, but if you do any of the following, you should get a commercial car insurance quote.
Transporting goods or business equipment for work
Doing work-related errands, such as driving to the bank or getting supplies
Driving between different workplaces or job sites such as other offices or branches
Driving a company car
Giving colleagues lifts to meetings/events
Call us today on 0800 977 6037 and let our award-winning team help you.
What types of Company Car Insurance are there?
Like your car insurance, you can choose from three levels of commercial car insurance cover, third-party, third-party, fire and theft, and fully comprehensive. On top of that there are three classes of business car insurance:
Class 1
This covers driving between multiple places of work or occasional travel to client meetings. It wouldn’t cover you for doing deliveries or working as a salesman making multiple stops in a day
Class 2
Offers the same cover as class 1 but comes with the option of adding a named driver – usually a colleague and almost always someone who has the same work address as the policyholder. Again, this wouldn’t cover you for doing deliveries or working as a salesman making multiple calls in a day
Class 3
Sometimes known as commercial travelling insurance, it could cover you if you drive long distances and/or do a lot of miles as part of your job so it’s ideal for sales representatives and the like. This won’t cover you if you use your car to make deliveries – for that, you’ll need courier insurance – or to carry paying passengers, for that you’ll need taxi insurance
How much does
Business Car Insurance cost?
At Coversure we don’t believe in one-size-fits-all solutions for our clients. Instead, we’ll get to know your business’s needs and create a package of cover that fits your requirements. What we can say is that your commercial car insurance quote will depend on things such as…
The amount of business mileage you do
The make, model, age, engine size, and value of your vehicle
The driver’s age
What you do for a living – someone with high mileage making multiple time-pressured visits per day such as a sales representative will likely pay more
Your claims history and the age of your drivers
The level of excess you’re prepared to pay
Your level of no claims bonus
Whether you want to pay monthly or annually – annually will usually prove cheaper
If your car has a telematics system on board
Your postcode
How to get cheaper Business Car Insurance?
There are several easy ways to potentially get cheaper commercial car insurance quotes, including:
Using an independent business car insurance broker. An independent broker like Coverure not only has expert knowledge of commercial car insurance but also has multiple insurer contacts so we can compare the market and get you a great deal
Reducing the risks posed by young drivers by only allowing them to drive when accompanied by an experienced driver, in daylight or reducing their mileage
Renewing your policy early to give your broker time to shop around for you
Setting a higher level of excess
Securing your vehicle by adding an extra security kit. Things like vehicle trackers, interior cams, telematics systems etc., and parking it securely overnight and at weekends can help reduce your costs
Investing in driver training. A Department of Transport report on driver training has suggested that if drivers had better hazard perception training, it could lead to an 11% reduction in collisions, and fewer collisions can mean fewer claims and lower business car insurance premiums
If your business has multiple company car insurance policies, you can save money by getting a fleet insurance quote. Fleet insurance is available to owners of two or more vehicles and can significantly reduce your overall insurance costs as well as cutting administration time

How much does Business Car Insurance cost?
At Coversure, we don’t believe in one-size-fits-all solutions for our clients. Instead, we’ll get to know your business’s needs and create a package of cover that fits your requirements. What we can say is that your company car insurance quote will depend on things such as…
The amount of business mileage you do
The make, age, and model of car you’re driving
Whether it’s an electric vehicle
The driver’s age
Your claims history
What you do for a living – someone with high mileage making multiple time-pressured visits per day such as a sales representative will likely pay more
Your level of no claims bonus
Whether you want to pay monthly or annually – annually will usually prove cheaper
The level of excess you’re willing to pay
Your postcode
If your car has a telematics system fitted
Committed to finding you the protection you need
If you’d like some independent advice or an insurance quote, please call us on 01482 434343.
Committed to finding you the protection you need
If you’d like some independent advice or an insurance quote, please call us on 01482 434343
Insurance specialists for business, property and motor
Local service – online, by phone, or in person
Help and advice to ensure you’re protected
Frequently Asked Questions
Frequently Asked Questions
Discover a range of our frequently asked questions about fleet insurance.
Yes, if you’re doing work-related mileage, then your standard car insurance won’t cover you, and you’ll be driving without valid insurance, which is a criminal offence
If you drive for work other than commuting to one location you will need to have business car insurance in place
That will depend on things like what car you’re driving, the driver’s age, your claims history, how much mileage you do annually, and the type of work you do. To find out more, please call us on 01482 434343 and one of the team will be happy to provide you with a competitive commercial car insurance quote
Because the risks are higher. Commercial car insurance often involves greater mileage, driving under pressure to get to meetings on time, driving on unfamiliar roads, having the responsibility for colleagues, and carrying samples and supplies which can be expensive to replace
Yes, compared to insuring several vehicles on different policies fleet insurance works out cheaper and is much less hassle when it comes to things like claims or policy admin. You will need to have at least two vehicles in need of cover to get a fleet insurance quote, though
Yes, there are three classes. Class 1 covers driving between multiple places of work or occasional travel to client meetings. Class 2 offers the same cover as class 1 but comes with the option of adding a named driver, and Class 3 could cover you if you drive long distances and/or do a lot of miles as part of your job but it won’t cover you if you use your car to make deliveries – for that you’ll need courier insurance – or to carry paying passengers, for that you’ll need taxi insurance
Yes, you can choose comprehensive, third-party fire and theft or just third-party cover. Also, you don’t have to have the same level of cover on all vehicles either you can choose what cover you have on each specific vehicle
Usually, the company pays for the insurance, usually as part of a fleet insurance policy. In some cases, drivers will be asked to cover the insurance themselves
Yes, also known as short-term business car insurance, some insurers will offer cover from an hour to up to 30 days
Getting a business car insurance quote from us is easy. You can call us on 01482 434343, request a callback or get your business car insurance quote here. Thanks to our wide range of insurance providers, we can compare our markets to find you the cover you need at a premium you’ll like
Yes, if you’re doing work-related mileage, then your standard car insurance won’t cover you, and you’ll be driving without valid insurance, which is a criminal offence
If you drive for work, other than commuting to one location, you will need to have business car insurance in place
That will depend on things like what car you’re driving, the driver’s age, your claims history, how much mileage you do annually, and the type of work you do. To find out more, please call us on 01482 434343, and one of the team will be happy to provide you with a competitive commercial car insurance quote
Because the risks are higher. Commercial car insurance often involves greater mileage, driving under pressure to get to meetings on time, driving on unfamiliar roads, having the responsibility for colleagues, and carrying samples and supplies, which can be expensive to replace
Yes, compared to insuring several vehicles on different policies, fleet insurance works out cheaper and is much less hassle when it comes to things like claims or policy admin. You will need to have at least two vehicles in need of cover to get a fleet insurance quote, though
Yes, there are three classes. Class 1 covers driving between multiple places of work or occasional travel to client meetings. Class 2 offers the same cover as class 1 but comes with the option of adding a named driver, and Class 3 could cover you if you drive long distances and/or do a lot of miles as part of your job but it won’t cover you if you use your car to make deliveries – for that you’ll need courier insurance – or to carry paying passengers, for that you’ll need taxi insurance
Yes, you can choose comprehensive, third-party fire and theft or just third-party cover. Also, you don’t have to have the same level of cover on all vehicles either you can choose what cover you have on each specific vehicle
Yes, also known as short-term business car insurance, some insurers will offer cover from an hour to up to 30 days
Getting a business car insurance quote from us is easy. You can call us on 01482 434343, request a callback or get your business car insurance quote here. Thanks to our wide range of insurance providers, we can compare our markets to find you the cover you need at a premium you’ll like