What's in this guide?
- What is temporary business car insurance?
- Should I get temporary business car insurance?
- Compare temporary business car insurance policies
- How does temporary business car insurance work?
- What temporary car insurance does and doesn't cover
- Can I get temporary business car insurance for driving in Europe?
- Who can get temporary business car insurance?
- Can I get temporary business car insurance for longer than a month?
- The bottom line
- Frequently asked questions
What is temporary business car insurance?
Temporary business car insurance is a type of insurance you can consider if you need to drive a car for a short period of time for business purposes.
Many personal insurance policies will only cover regular commuting towards a single workplace, as well as driving for personal purposes (this is often referred to as SD&P, which stands for social, domestic and pleasure). If that’s the case and you end up using your car for work, you will not be insured.
At which point you have two main options: you can take out a standard business insurance policy, which will last 12 months and is the best option if you use your car for work all the time; or you can use temporary business car insurance, if you only need it occasionally.
Should I get temporary business car insurance?
Temporary car insurance for business can be useful in a range of circumstances, such as:
- Driving your own vehicle for work. For example, if you need to travel to a conference or a training session, or to transport equipment.
- Borrow someone else’s car for work. You don’t need to be the owner of the vehicle to get temporary business car insurance for it. You simply need the owner’s permission.
- Occasionally driving a company car. A company car will presumably already have all-year business insurance, but if you don’t normally drive it and only need it a few times, you can get temporary cover. This can also be helpful if a company needs to insure someone quickly, as it waits to sort out permanent cover.
Compare temporary business car insurance policies
How does temporary business car insurance work?
The main advantage of temporary car insurance is that it’s very flexible. You can take it out for any period of time between 1 hour and 30 days.
You can usually get a quote online fairly quickly, and many insurers also offer instant cover, meaning that you can hit the road within a few minutes of requesting the policy.
What temporary car insurance does and doesn’t cover
The specifics will always depend on the insurer, so you will need to read your policy carefully (no way of getting out of this one, sorry).
But generally speaking, you will usually get a standard, fairly comprehensive cover, which allows you to travel worry-free between multiple workplaces. The policy will also usually cover personal use, so if you need to combine the two for a while, that’s perfectly fine. Some features, such as breakdown cover, might be optional and come for an extra price.
However, there are a few activities that will not usually be covered by short-term business car insurance and will require a specialist insurer. For example, working as a courier, providing taxi services and transporting hazardous goods, among others.
Can I get temporary business car insurance for driving in Europe?
Yes, you can. Some insurers will allow you to add in temporary European cover as an optional extra.
So if you have a conference planned in Berlin or a need to meet a client in Paris (we’re jealous), you can definitely consider driving there in your own car and getting it insured for the trip.
Who can get temporary business car insurance?
Eligibility criteria will vary depending on the insurer, but often include:
- Age limits. For example, the minimum age could be 18 or more. The maximum age can sometimes be 75.
- Driving licence requirements. You normally need to have had one for at least 3 months (or 6 if you are under 25).
- Good track record. Many insurers will not accept you if you have recently had any motor offences or a certain number of penalty points.
Can I get temporary business car insurance for longer than a month?
Most insurers only allow you to take out temporary policies that last up to a month. This does not mean you cannot do it, only that you will need to take out multiple policies.
However, you should check whether this is really the cheapest option. If you only use your car for work for a few hours a month, it’s probably best to take out multiple short policies rather than getting blanket cover for the whole month.
Conversely, if you are expecting to do it constantly for a fairly long time, you may want a standard yearly policy after all.
The bottom line
Quick and easy to set up, flexible to use and potentially very cost-effective, temporary car insurance is all about making sure you are fully protected when driving for work. Your personal insurance will not typically cover anything more than your regular commute, which can cause you trouble if something happens while you use your car for business purposes.
As the name suggests, temporary business car insurance will work best for employees and companies who only occasionally need extra business cover on a vehicle.
Frequently asked questions
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