Business car insurance

Business car insurance covers you to drive your car for work purposes beyond commuting to a single workplace – things like visiting clients, travelling between sites, attending offsite meetings or carrying tools and equipment for work. You need it whenever your driving extends past the social, domestic, pleasure and commuting (SD&P) cover on a standard policy. Most annual policies don’t include business use as standard, so check your policy schedule before any work-related journey that isn’t your usual commute.

Dayinsure business car insurance is fully comprehensive cover that protects you for business use, social, domestic and pleasure (SD&P) all in one policy. It covers business journeys such as travelling between work sites, visiting clients, attending meetings or training away from your usual workplace, sharing the driving with colleagues on a business trip, and using a larger vehicle to transport work equipment. It does not cover delivery use, door-to-door sales, taxi or private hire work, or hired vehicles.

Cover starts from short-duration policies of just a few hours, so you only pay for the cover you actually need. The exact cost depends on the duration of cover, the vehicle’s make and model, your age, driving history and occupation. Taking out a temporary business policy is often cheaper than adding business class to an annual policy if you only need it occasionally. You can get a quote in minutes online.

Yes. If you’re a director, employee or contractor for a limited company and you need to use a car for work purposes, Dayinsure’s temporary business car insurance can cover you. The policy insures the driver rather than the company, so it works for owner-directors driving their own car for work, or for drivers using a company vehicle short-term. You’ll need permission from the registered keeper if you’re not the owner.

Usually not. Most annual car insurance policies are sold with social, domestic and pleasure (SD&P) cover, which only includes commuting to and from a single regular place of work. Driving to a different office, visiting a client, attending offsite training or carrying work equipment generally isn’t covered unless business use is specifically added to your policy. A common assumption that catches people out is that commuting cover includes work travel – it doesn’t.

You can be covered for business use in as little as 15 minutes. The whole quote takes a few minutes online or in the Dayinsure app, and once you’ve paid, your policy documents are emailed straight to you. You can also book cover up to 28 days in advance if you know when you’ll need it – useful for planned business trips, conferences or site visits.

Yes, as long as you have the registered keeper’s permission to drive the vehicle and the car meets Dayinsure’s acceptance criteria. Temporary business car insurance is a useful option when you’ve been given a company car short-term, when your usual company vehicle is in for repair, or when you need to borrow a colleague’s car to make a one-off business trip.

Dayinsure business car insurance does not cover delivery use (food delivery, courier work or parcel drop-off), door-to-door sales, taxi or private hire work, driving instruction, racing, track use, or hired vehicles. It also won’t cover business use of a car that doesn’t meet our standard vehicle acceptance criteria – check the policy wording or get in touch before you buy if you’re unsure.