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Hit the Road without Worries: - Pick the Right Business Use Car Insurance

One of the main factors that affects how much car insurance costs is how the car is used. People who use their car for business trips and travelling to and from work, generally clock up more miles and drive during rush hour traffic. This increases the likelihood of accidents and therefore business use car insurance is usually more expensive compared to insurance for social and domestic use.

Although business use car insurance is usually more expensive, that doesn’t mean you can’t find cover at a competitive rate. One of the best ways to do this is by getting quotes from several insurance providers. If you want to get tailored quotes now, then simply click the green button.

Did you know…?

Business use car insurance is deal for people who use their car for any business related purposes, including travelling to work and business meetings.

Why You Need Business Use Car Insurance

If you use your car for travelling to and from work or for business meetings, then it’s important to be honest about this with insurance providers. Failing to disclose this information could easily void your policy. Having insurance in place will help protect your car and also make your vehicle road legal.

Types Of Business Use Car Insurance

The kind of car insurance you pick will dictate the degree of safeguarding you receive. The main options obtainable in the UK are:

  • Third-Party Only Insurance: This is the most fundamental form of car insurance and fulfils the least legal requirement in the UK. It provides coverage for injuries to others and damage to other people's property but excludes any damage to your vehicle.
  • Third-Party, Fire and Theft Insurance: This encompasses everything in Third-Party Only insurance, but with added protection against loss or damage to your vehicle from fire or theft.
  • Comprehensive Car Insurance: This is the highest level of cover available. It integrates everything from the Third-Party, Fire and Theft policy, and might also cover the cost of repairing or replacing your car, regardless of whether the accident was your fault or not.

Did you know…?

How you use your car is one of the factors that insurance providers consider most important. Others include your occupation, location and age.

Why You Should Get Business Use Car Insurance

Getting Business Use Car Insurance quotes is always recommended. Below are few reasons why.

  • Operating independently of specific insurers, these sites provide unbiased assessments to help users find the best policy.
  • Comparison websites offer cost-effectiveness by allowing side-by-side comparison of quotes and policies, ensuring transparency in prices and features for informed decision-making.
  • Some comparison websites offer renewal reminders to help customers seize savings opportunities.
  • They serve as informative resources on what makes up good coverage, bolstering user confidence in finding reliable car insurance at a fair price.
  • They promote competition among insurers, often leading to better pricing options.
  • The process is efficient, requiring users to enter their information only once, eliminating the need to fill out long forms for each provider.

Business Use Car Insurance - Additional Cover

Below are some additional types of Business Use Car Insurance

  • Windscreen Cover: A clear view is crucial when you're on the road. This cover ensures your windscreen's protection against any damage.
  • Excess Protection Cover: Need to make a claim? Don't fret about the cost of your excess. This cover's got your back.
  • Key Cover: Lost keys or stolen ones, this cover sorts out the cost of replacement and the locksmith's charges.
  • Legal Cover: A legal dispute from a road incident can be a financial burden. This cover is there to lighten that load.
  • No Claims Discount Protection: Make a claim without worrying about your no claims discount. This cover ensures it stays intact.
  • Foreign Use Cover: Fancy driving abroad? This extends your cover overseas, offering the same level of protection as you enjoy back home.
  • Breakdown Cover: Car troubles mid-journey? This add-on offers roadside assistance whenever you need it.
  • Uninsured Driver Protection: An uninsured driver hit your vehicle? This cover ensures you're not left out of pocket, protecting your excess and your no claims discount.
  • Personal Accident Cover: If a severe accident happens, this cover provides financial support for you or any named driver for certain injuries.
  • Misfuelling Cover: Put the wrong fuel in your car by mistake? This cover shields you from any subsequent repair costs.
  • Courtesy Car Cover: If an accident sends your car to the garage, this cover ensures you're not left high and dry by providing a courtesy car.
  • Child Car Seat Cover: In case of an accident, this cover provides funds for replacing any child car seats, even if there's no visible damage.

Did you know…?

Getting a lot of quotes is a great way to make sure you don't overspend on business use car insurance.

Business Use Car Insurance - How You Can Keep Costs To A Minimum

Some great ways to save money on Business Use Car Insurance are –

  • Shop Around: Don't settle for the first quote you receive. Use the comparison tool to explore various policies and find the one that offers the best value for your money.
  • Choose Your Car Wisely: The make, model, and age of your car can affect the cost of your insurance. Cars that are less expensive to repair or replace usually come with cheaper insurance premiums.
  • Park Securely: Cars parked on the street are more likely to be stolen or damaged. If possible, park your car in a garage or secure parking spot overnight.
  • Avoid Modifications: Any modifications to your car could increase your insurance premium. If you're looking to save money, try to keep your vehicle as close to its factory condition as possible.
  • Limit Your Mileage: If you can, try to limit the amount of driving you do. Lower annual mileage can lead to cheaper insurance premiums.
  • Maintain a Clean Driving Record: A clean driving record, free from accidents and violations, can help lower your premium costs as it shows insurers that you're a low-risk driver.

Compare Business Use Car Insurance Quotes Now!

Finding the ideal car insurance a cinch. when you use the comparison service Here's the plan:
  • You start by entering your personal information - your privacy is their utmost concern.
  • Then, provide the details of your vehicle - the more accurate, the better your matches.
  • Next up, fill in your current insurance details - this helps them tailor the perfect solutions.
  • Wait a bit, and specialist insurance providers will reach out with bespoke quotes.

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Business Use Car Insurance FAQs

Why is business use car insurance more expensive?

Business use policies tend to cost more simply because the chance of accidents occurring is increased due to the frequency of use and driving conditions. However, how you use your car is just one of multiple factors that affect how much you pay for cover.

Do I really need a business use car insurance policy?

If you use your car for business purposes in any way, then the answer is yes. Failing to disclose this information to insurance providers could easily invalidate your policy.

What other things affect the cost of car insurance?

As well as class of use, insurance providers also consider your age, driving experience, location, value of vehicle and occupation.