Insurance Policies
Business car insurance for freelancers
Updated
As a freelancer you often use your car for both business and private purposes. Which insurance you need depends on whose name the car is in and what you use it for.
Business or private?
If the car is in your company's name or on your balance sheet, business car insurance is the obvious choice. A private policy does not always fully cover business use. Always check what your policy says about use for work.
Which cover should you choose?
The basis is third-party liability. For a newer or financed car you usually choose comprehensive cover. There are also add-ons, such as roadside assistance, passenger accident cover and legal expenses. Read more about business car insurance.
Comparing
When comparing, look not only at the premium but also at the excess, replacement transport and cover for items in the car. Compare via business car insurance.
Frequently asked questions
Can I drive for business on a private policy?
That depends on the terms. Commuting is often covered, but intensive business use not always.
Does a van need different insurance?
Yes, for a van you take out van insurance, often with add-ons for cargo.
Can I transfer my no-claims discount?
Usually yes, also from private to business. Check with the insurer.
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