Insuring your car for business use

Car insurance

Auto insurance

Cheap car insurance

Do you commute to the same office every day and work from 9am to 5pm? Some people stick to the traditional work pattern, but many jobs these days are more flexible and varied. You might, for example, visit clients around the country one or two days a week. Maybe you run your own mobile hairdressers, or you are a care worker who regularly visits people at home.

If you are one of a growing number of people who drive their own car for business purposes, you need to make sure that you have appropriate motor insurance. Most standard policies cover the car only for social, domestic and pleasure use - so visiting friends and family or running the kids around. Many also include commuting to and from one place of work. But anything else and you need a different level of cover.

Business car insurance is essential if you use your car for work. It is typically more expensive than standard car insurance because you will probably drive more miles and at busier times and so are more likely to make a claim. But don't be tempted to stint on cover or lie about your car usage. If you don't take out appropriate insurance, you can invalidate your policy and the insurer can refuse to pay out in the event of an accident.