Commercial Car Insurance (UK)

Commercial car insurance often refers to car insurance that includes business use, meaning you use your car for work as well as personal driving. Not every policy includes the same work use, so it can help to compare options and check what is included.

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What you'll need to start a quote

✓Vehicle details (registration or make/model)
✓UK postcode
✓How you use the car for work (commuting, business trips, deliveries)
✓Approx annual mileage

Who this page is for

This page is for UK drivers who use their car for work, for example:

travelling to multiple work sites
visiting clients
carrying work equipment
driving as part of your role

If you only drive to one regular place of work, that is often treated as commuting. If you drive for work activities beyond commuting, you may need business use, depending on the insurer. For standard car insurance options, compare quotes with your actual usage details.

What insurers usually mean by commercial or business use

Insurers may ask how you use the car, such as:

social and domestic only
commuting to one workplace
business use (work-related travel beyond commuting)

The wording can vary by provider. The safest approach is to describe your usage accurately and review the quote terms offered.

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What can affect commercial car insurance quotes

Quotes can vary based on:

job type and how the car is used
annual mileage and typical driving locations
the vehicle's insurance group and repair costs
postcode and overnight parking
claims history and convictions
cover level and excess

Different insurers assess risk differently, so comparing can help you find options that fit your situation.

Practical tips when comparing

Be accurate about how the car is used for work
Check any exclusions or limits on business use
Review excess amounts and cover level, not only the premium
If your use changes, update your policy details

If you use a van or a vehicle mainly for carrying goods, you may need a different type of cover. See our van insurance page for more information. If you carry paying passengers as a licensed hackney carriage driver, you'll need taxi insurance instead. Comparing with the correct vehicle category can help.

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FAQs: Commercial car insurance (UK)

Is commercial car insurance the same as business use?

Often, yes. Many people use "commercial" to mean business use on a car policy, but terms vary by provider.

Does commuting count as business use?

Not always. Commuting is usually driving to one regular place of work. Business use often covers work-related travel beyond commuting. Check insurer definitions.

Will commercial cover cost more?

It can, depending on your usage and risk factors. Comparing options is the easiest way to see differences.

Do I need different cover for a van?

Sometimes. Van insurance is typically a separate category. Use the quote journey that matches your vehicle type.

What information do I need to compare options?

Typically vehicle details, postcode, mileage, and how the car is used for work.

What is the fastest way to check options?

Start a quote with accurate details and review the cover and payment breakdown.

Ready to compare commercial car insurance options?

Start your quote online and view options available from UK providers.

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How we created this page (transparency)

This page was created to explain what commercial car insurance often means in the UK and what to check when comparing options. It is reviewed for clarity and updated as provider criteria and guidance change.

Important information

MySupermarketCompare is an insurance comparison website. We introduce customers to our quote partner to help them compare insurance options. Information on this page is general and is not financial advice.