Usually, the employer or leasing company will insure the company car on your behalf, but you would need to check this with your employer. If you can’t use your company car for any reason – if work is being done on it for example – you’ll need business insurance if you want to drive your personal car for your job.

Commuting usually doesn’t count as business use. If you’re just driving to and from your regular place of work, a standard ‘social and commuting’ car insurance policy is typically enough.

Class 1 business car insurance is the standard level of car insurance for business related driving. It covers trips between multiple places of work or visits to clients and customers. Class 1 business car insurance won’t cover you for delivery driving, or other commercial uses like driving a taxi.

Business car insurance is often more expensive than standard cover. That’s because it typically includes higher coverage limits, and people who drive for work often spend more time on the road – which increases the risk for insurers.  

It depends on how often you drive for work, the type of work you do, and the insurance provider.

If you use your car regularly for business, a dedicated business car insurance policy may offer the most suitable cover. However, if you only use your car for work occasionally – say once or twice a week – it might be cheaper to add business use to your existing policy.

Business car insurance tends to be more expensive than standard car insurance because of the increased risk associated with business use – including more time spent on the road and driving during peak hours, for example. The exact prices you’ll be quoted will depend upon a range of factors. Shopping around and comparing quotes for business car insurance can help you find a policy and price that’s right for you.

If you’re self-employed, you’ll need to cover the cost of business car insurance yourself. If you’re employed, your employer might pay for the full policy – or at least contribute. Some employers cover the difference between standard and business use insurance, while others may reimburse you for mileage or travel expenses incurred during work.

If your company car is owned or leased with your name as the policyholder, then you’ll need to arrange and pay for the insurance yourself. If the company car is owned or leased by your employer, then your employer will usually handle the insurance on your behalf. Always check with your employer to understand who’s responsible for insuring the vehicle and what kind of cover is in place.

In some jobs, it’s common for employers to ask staff to use their personal car for work-related travel. However, you’re not always required to agree – especially if it’s not outlined in your contract. If you’re starting a new job, it’s helpful to discuss expectations around driving early on. That way, both you and your employer are clear about whether you’ll be using your personal car for work.

Most insurers will allow you to add a named driver to your business car policy. If you want to add a driver to an existing insurance policy, you'll need to contact your insurer to see if that’s possible and if it will impact the price you pay for your insurance.

Business use can be added to many existing car insurance policies. You would need to speak with your insurer to see if this is possible and if it will impact how much you pay.

If you make a claim on a business car insurance policy, you’ll still need to disclose it to your standard insurance provider – even if it’s a separate policy. While this may not affect your no-claims discount, it could impact your premium, as insurers consider your overall claims history when calculating costs.

While every policy is different, many insurers offer optional extras you can add to your business car insurance for added peace of mind. These may include:

• Personal accident cover - pays out if you’re injured or killed in a road accident
  
  
• Breakdown and roadside assistance cover – helps if you break down while driving for work
  
  
• Legal expenses cover – covers legal costs from claims made by you or a third party
  
  
• Courtesy car cover - provides a temporary replacement vehicle if yours is out of action
  
  
• Windscreen cover – for repairs or replacement of cracked or shattered windscreens
  
  
• Replacement key cover – covers the cost if your car keys are lost or stolen
  
  
• Wrong fuel cover – assists you if you accidentally fill up with the wrong type of fuel

Fleet insurance covers multiple vehicles under one policy – sometimes dozens or even hundreds – and is typically used by businesses with a large number of company vehicles. It can also cover a wider range of uses, including delivery driving.

Business car insurance, on the other hand, is designed for individuals or small businesses with just one or a few vehicles. It generally does not cover delivery driving.

Yes, you can get temporary business car insurance, although it’s not something currently offered through Asda Money.

You can get an online quote for business car insurance from some of the UK’s top insurance providers through Asda Money. To get a quote, you’ll need some information to hand, including:

• Information about your car: Its make, model and registration, its estimated value and when you bought it.
  
  
• Your personal information: Your name, date of birth, occupation and driving licence number (provisional driving licence at least). You’ll need the same for any other named drivers.
  
  
• Information on any past accidents and convictions: Details of any recent accidents, driving offences or unspent convictions for you and any other named drivers.

Company car insurance is appropriate for cars that are owned by a company you work for, or that are leased from another company. If you’re a sole trader, company car insurance won’t be right for you as your business is essentially you. You’ll need car insurance for business or commercial use depending on your job.