Temporary business car insurance covers you for any business-related travel outside of your regular commute, whenever you need it.
If you have to use your car for work now and then, it may seem unnecessary to adjust your current car insurance policy to account for this, as it will generally cost you more.
Thankfully, you can take out a temporary business car insurance policy with GoShorty, for those occasional times you need business car insurance. This means you will only have to pay for insurance when you use your car or somebody else’s vehicle for work, saving you a lot of money in the long run.
If you have to make a claim whilst using your car for business travel, a temporary business car insurance policy will protect your no-claims discount, or the owner of the car’s; if you do need to claim.
If you’re driving for work on an annual policy that isn’t meant to be used for business related travel, you’ll risk invalidating your policy. So, next time you’re driving to a meeting take out a temporary business policy in under two minutes, to ensure you have the correct cover in place.
Some of the benefits of our temporary business car insurance offering include:
Temporary business car insurance covers your vehicle if you have to use it for business-related travel purposes. Our temporary car insurance policies, including our business car insurance offering offers Business Class 1 protection, meaning you will be covered for work related driving outside of your commute. Typically annual policies will provide cover for Social, Domestic, Pleasure and Commuting uses, so if you are occasionally driving between sites or meetings you’ll need an additional level of cover that our temporary business insurance can provide.
This is especially useful if you mainly use your car for personal use but may have to use it for business-related travel occasionally. This means that you won’t have to make any adjustments to your current car insurance.
You can also insure yourself using temporary business car insurance if you need to use a colleague or your employer’s vehicle for work-related purposes. Temporary car insurance policies are entirely flexible, as you’ll be able to cover the vehicle you plan to drive for any amount of time between 1 hour and 28 days.
The cost of temporary business car insurance will vary depending on a few factors including the vehicle you’re insuring, your age and your driving history. When applying for insurance, you’ll have to choose how long you want the policy to be, enter personal information and provide details for the car you intend to use; this information will be used to provide you with a cost for the exact cost of temporary business car insurance for you.
If you want to get an idea of costs before getting a quote, you can use our car insurance cost calculator, or use the table below to get an idea of what business car insurance prices start from. As you can see, one day of insurance starts from £20.44, so you can expect the price to be from around this figure if you only need temporary business insurance for one day. To see exactly how much it could cost you, use our quick and easy quote system, which will provide you with a figure and policy options in under two minutes!
| Costs of Business Car Insurance | |
|---|---|
| Policy Duration | Starting Price |
| 1 hour | From £16.98 |
| 2 hours | From £16.98 |
| 3 hours | From £17.12 |
| 4 hours | From £16.53 |
| 1 day | From £20.44 |
| 2 days | From £21.27 |
| 3 days | From £30.97 |
| 4 days | From £32.57 |
| 1 week | From £42.02 |
| 2 weeks | From £45.44 |
Temporary business car insurance runs alongside your normal insurance policy, so if you end up claiming while using this insurance, you will not run the risk of the cost of your premiums increasing. You can learn more about having multiple insurance policies on a car in our guide.
This means you will have two types of cover on the same vehicle if you take out business car insurance. You can get business cover in under two minutes for the exact duration you need, meaning you can take out a temporary policy on your own car, or a car you’re borrowing easily the next time you need to travel for work.
You can take temporary business car insurance out hourly or even weekly, depending on how long you need business cover.
In the case you use a company car at your place of work, you will generally be covered by your company’s car insurance policy, so temporary car insurance will likely not be necessary. But it is always best to check with your employer if the correct insurance is provided.
You and your vehicle must also meet specific criteria to receive cover.
What’s covered may vary slightly between providers, but when purchasing a business car insurance policy from us, you can generally expect the following:
All our policies, except for impound insurance, offer comprehensive cover. Be sure to check your policy documents for specific details on what your chosen temporary insurance covers.
While comprehensive cover offers excellent protection for the insured vehicle, there are additional options you might want to include for extra peace of mind on the road, whilst travelling for work:
Learn more about these optional extras to customise the right policy for your needs.
You may assume that your annual insurance policy will cover you for work trips, but this is not always the case. If you work for a business with multiple offices and are occasionally required to travel between them, or have to drive to meetings, getting short-term business car insurance may be worth your time. Learn more about when you will need business car insurance in our guide.
If your business requires you to travel to conferences every few months, adjusting your regular car insurance policy would be a waste of time and money. Instead you can easily take out a temporary policy with us for the exact duration you require it, providing you with the correct level of business cover, for the times you actually need it.
If you occasionally need to borrow someone else’s car for business-related travel, you can also take out a temporary policy on their car, which will allow you to drive it and provide you with the right level of protection for driving for work.
If you’re using your vehicle for work outside the scope of Business Class 1 insurance, you’ll need a different type of policy. For example, if you’re using a van for food delivery, carriage of own goods, or for hire and reward purposes, a specialised policy is required. While we offer coverage for these specific uses for vans, temporary business car insurance isn’t suitable for such purposes.
All of our temporary car insurance policies include business class 1 cover, which means you are able to use your car for:
Business Class 1 insurance won’t allow you to:
Our temporary business car insurance offering is flexible around you, allowing you to pick a specific policy length, meaning there’s no need to pay for more time than you need. We provide hourly, daily, weekly and monthly policy lengths, ideal for a range of journeys. Whether you just need short-term business cover for a day trip or require it for the month, we have you covered.
We have a wide acceptance criteria, which you can see below or read in more detail on our who we cover page.
Who is eligible:
Vehicle Requirements:
Once you are happy with your quote and have purchased your policy you can be on the road instantly, if that’s when your policy starts. All your policy documentation will be emailed directly to you, and you can download them 24/7 from Your GoShorty.
We update the Motor Insurance Database (MID) twice a day, every day. We recommend always having a copy of your Insurance Certificate with you during the period of cover. You can learn more about MID check in our guide.
Once the payment has been authorised, you are unable to make changes or alterations to the information you have originally provided to purchase the insurance policy. However, if you need to extend your policy length, you can easily take out another policy that will start when your current one ends.
Your annual policy will not cover you for all business travel, unless you have specifically opted for a policy that does. It’s common for annual policies to cover commuting, but if you need to travel more for business, to conferences, clients or other offices, for example, you will not have cover.
Adding business insurance to your annual policy could be expensive, and unnecessary if you only require it sporadically. Which is why temporary business insurance is a better option, providing you with a more affordable, flexible type of cover.
If you use our temporary business car insurance, you will be able to share the drive with a colleague who also has a policy. This is ideal for those who want to share the load of driving on a long trip.
Not found the answer you’re looking for? Either get in touch or checkout our other FAQs
