Business Car Insurance
When insuring your vehicle for work use, it is important that you are concise and as specific as possible when describing your occupation, as it has an effect on your premium costs depending on the type of work it involves. You also need to consider what other types of use you require on your policy, i.e. social, domestic and pleasure or commuting or business use.
For example, a sales rep could have a higher premium for their car insurance policy as they may travel regularly and for long distances, thereby posing a greater risk for the insurer. You may have to carry stock or costly equipment as part of your job and this will have an effect on your insurance premiums too. If you don’t declare such activity when taking out your policy, you may find that there is insufficient cover in place in the event of a claim.
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Our team at 1st Choice Insurance believes that everyone deserves great value on their business car insurance policies, which is why we offer great value for money with incredible savings.
At 1st Choice Insurance, our team will use their specialist knowledge of the insurance market to ensure you get the cover you need at the right price. With experience in arranging Business Car Insurance for our clients, we can advise on the best level and type of cover for your needs.
Our team will be able to advise on the cover choices that are available to you, and on the type of cover you need if you are unsure. As with all insurance policies, it is important to carefully check your policy wording to check that it is suitable for all your requirements.
One of the most popular types of car insurance policy is social, domestic, pleasure and commuting. This type of policy will cover you for day to day activities – the school run, visiting friends and family, the weekly shop – as well as commuting to and from one fixed place of employment.
It is important to note that travelling to a railway station as part of your journey to work, is also classed as commuting, as well as if you drop a colleague or friend off at their place of work on your way. If your firm operates a ‘lift sharing’ scheme, you should also disclose this when taking out your policy.
Commuting to and from a fixed place of work is classified differently to driving for business purposes.