Does my policy include social, domestic and pleasure?
Yes. Business car insurance policies do include cover for social, domestic and pleasure.
Why do I need Business Use car insurance?
Most normal car insurance policies will cover you for social, domestic, pleasure use and to and from your usual place of work. If you have more than one place of work,you travel to see clients, or use your car for your job, then a normal policy will not cover you, and you need business car insurance.
What is class 3 business use?
There are 3 distinct classes of business use car insurance, which are:
- Business use Class 1 car insurance includes social, domestic and pleasure but covers the insured in connection with their business orprofession.
- Business use Class 2 car insurance covers named drivers for business use in connection with the policyholder's business.
- Business use Class 3 car insurance covers commercial selling, such as selling services on a "door to door" basis.
I've had an accident, what do I do?
Call our dedicated Claimsline Service on 0845 601 3319. They will advise you and help you through the claims process from start to finish. They will also help you with any uninsured losses you may suffer.
Do you offer Hire & Reward business use?
Yes we do. Coversure offers business use policies for chauffeurs, taxi's, limousines and contract hire, on an individual car or fleet basis.
Can I add my spouse to my policy?
Yes, cover is also available at very reasonable rates.
I have only ever had a private car. Will I have to start my new Business Car Insurance policy with zero no claims discount?
No, we have various options which can allow you to transfer your private no claims discount, or in some circumstances we can mirror your private no claims bonus, so you won't lose out, and it won't affect your existing insurance policy either.
If I have to make a claim and my car is off road, can I have a courtesy car?
Yes, several business car insurance policies include this as standard. However, if your car is written off due to an accident, fire or theft, you will not be entitled to a hire / courtesy car. If the accident was not your fault you may be entitled to a hire / courtesy vehicle via our Claimsline. You can add a guaranteed hire car for a small cost - click here for more details.
I have a DD conviction for drink driving on my licence, can you still insure me?
A "DD" conviction code is a dangerous driving conviction. However, many people interpret it to be a drink driving conviction, although the code for this is "DR". We can insure drivers with either type of conviction, provided you are still entitled to drive, (i.e. you hold a valid licence). The convictions we can arrange cover for are set out below. Naturally your premium will be significantly higher than normal, but that's where using Coversure could pay dividends. As a broker we have access to many specialist schemes and working relationships with insurance underwriters, that enable us to find you competitive quotes.
Which cover options are available?
You can choose to have named drivers only, or limit cover to any driver over 21, any driver over 25, or have any driver any age if you wish.
I have a car that is leased, so it is not owned by me or my company, can you still cover me?
Yes. We have insurers who will provide business use car insurance on leased vehicles too.
Yes – we have policies available to cover drivers with a non-UK licence.
Can I tow a caravan or trailer?
Yes, a business car policy provides liability cover whilst you are towing. You would however need a separate policy to insure your caravan or trailer against accidental damage, theft, etc.
Can I drive a business car in the Republic of Ireland?
Yes, we can provide you with a policy that covers European use.
Will my laptop be covered if it is stolen from my business car?
No - you will need a separate policy to cover personal effects such as a computer or laptop. We can cover such items as an extension to a home contents policy. Your business car insurance policy will generally provide you with a small amount of cover for personal effects in the region of £50 or £100.
Can I drive any other vehicle as I have fully comprehensive cover on my business car insurance policy?
Whether you are insured on a fully comprehensive, third party fire and theft or even third party only basis should not make any difference to the driving other cars extension being included. It depends on if you insure the car in a company name or not. You are more likely to have the driving other cars extension if you insure your car in your own name with business use included. If the insurance is in the name of a company, driving other vehicles is usually excluded. If you do have the driving other cars extension it is important to remember that cover will be restricted to third party only. You should check your certificate of insurance or give us a call for further advice.
Can I have more than one business car on the same policy?
Yes, it is possible to add cars to your policy which gives you the benefit of having one common renewal date. However, if you already have three or more vehicles, a fleet policy may be beneficial for you. Please contact us for advice.
Can a company insuring a business car protect its no claims bonus?
Yes we have policies available that include the option to protect no claims bonus.
I am struggling to cover my smart car on a business car insurance policy – can you help?
Yes. We insure a lot of smart cars for business use, click here for more details.
I have an imported car from Ireland; can you cover this on a business car policy?
Yes, we are able to your imported car, provided it is registered in the UK.
I have modified my car to include larger alloy wheels – is this something you can cover?
All modifications must be notified to your insurer. It is possible to cover many different modifications which we will refer to your insurer on your behalf for approval.
I have a driving licence that only covers me to drive automatic vehicles – is a business car policy suitable for me?
Yes, that is no problem, provided the vehicle you are driving is automatic.
I have a purchased a Japanese import - is it possible to insure it as a business car?
Many insurers are unfortunately unwilling to insure Japanese imports, although we do have some insurance companies that will provide cover. Please contact us to discuss your requirements.
Do you get breakdown cover with a business car policy?
You do not get breakdown cover as standard with a business car policy but we can generally provide full RAC breakdown cover for business cars at very reasonable rates, click here for further details.
Can I add hire vehicles to my policy on a temporary basis throughout the year?
Yes – we will usually charge a fee (which we will notify you of) each time a temporary vehicle is added. Limits may apply over the policy duration, so you should advise us of your intentions prior to taking out any policy.
Do your business car insurance policies include glass or windscreen cover?
The majority of fully comprehensive policies include glass and windscreen cover. There is usually no excess payable for repairs carried out and where replacement is necessary, excesses range from £50 to £100.
I need to ensure that if my car is off the road due to an accident or theft I will get a courtesy car – do you offer this?
Yes we do. The majority of policies will cover you for a courtesy car whilst your car is being repaired by an approved repairer. However, if your vehicle is stolen or written off due to a fault accident, a separate theft protect policy incorporating write off cover would provide you with a courtesy car.
I want to insure my car under my business name but do not want to transfer ownership as this will add yet another owner onto the log book – is that possible?
Yes, we can cover vehicles that are not owned by the business. You should advise us of this at the quotation stage. There are a number of insurers who will accept this and provide normal terms.
I am buying a pool car and there will not be a main user as any employee can drive the car – is this acceptable?
Yes, as you don’t have a main user as such, assuming you are the business proprietor/managing director, the policy would state you as the proposer/main user. In order for any employee to drive the pool car, you will need an any driver policy, although cover can be limited to any driver over 21 or any driver over 25.
I am about to lease three BMW’s for my business – can you offer discounts for multi vehicle policies?
We certainly can. All three vehicles can be covered on the same policy and discounts are available for any further vehicles you have. Depending on your specific needs, a fleet policy is another option you may wish to consider. Please contact us to discuss your requirements.
We are a premises security company and employ four security guards. We are struggling to get cover for our security car – can you help?
Yes, this is one of the many unusual occupations we can provide cover for – please contact us for a quotation.
Coversure have been insuring vehicles for business use for many years, so whatever your requirements are - chances are, we've seen it before. Our business car insurance staff are very experienced, and with their friendly and professional service, they will make sure you find the right business car insurance for you. With access to over 25 leading business car insurance packages, we've got all the options you might need, and if that wasn't enough, we also have our very own specially negotiated schemes with major insurers too, at very competitive prices.