Definition Of Business Use Car Insurance

Business use by you this covers all of the above plus your business related driving away from your normal place of work.

Definition of business use car insurance. Business car insurance if you re using your car for business purposes then you ll need to take out a specialised business insurance policy on your vehicle. Examples can include company cars trucks as well as multi purpose vehicles. When you use your vehicle in business you need to notify the insurance company. Car insurance for business use is different from commercial car insurance which covers people who use their car as an integral part of their job such as taxi drivers delivery drivers or driving instructors.

It s not the primary use of the car but nevertheless requires a slightly higher level of cover. You use your car to drive to places for work for example such as switching between sites. Much the same as class 1 but covers you the policy holder and a named driver. Furnished or available for regular use company car exclusion.

Business use means a car that is used for social domestic and pleasure purposes being driven between your home and place of work and in the course of the business. Business car insurance covers your car if you re using it while on the job. What some insurers define artisan use and general contractor businesses as tradesmen and women who earn income by performing repair improvement installation or maintenance services at residential and commercial locations including new construction sites. If the car is being used in connection with work beyond simply commuting you ll need a level of business insurance cover.

Your standard car insurance policy will cover you for a daily commute but if you use your car for anything other than driving to a single place of work then you need business car insurance. This includes driving to meet clients visiting multiple work sites or transporting other members of staff. Business car insurance can cover a wide range of uses such as travelling between different work locations visiting customers or driving around other employees. You need to be especially careful with this and be sure to ask your insurer how this could affect you.

A typical personal auto policy won t cover a vehicle that is regularly available to the policyholder but is not specifically insured under the policy. Anything in fact that s on behalf of the company. If you re given a company car as an employment benefit it should be covered by your employer s policy. It also covers the policy holder for short business journeys between different sites.

There will be cases especially in small to medium businesses that there is some cross over between private use and business use. What s business car insurance. Business use by you and or your spouse this simply extends the cover provided for business driving to your spouse.