Company car insurance

Company car insurance is cover for personal cars that are used for business purposes. This only includes vehicles that are owned or leased by the policyholder – if the car is owned or leased by your employer, then it will be their responsibility to insure the vehicle.

When you get a quote for company car insurance for Endsleigh, you just need to make sure you select ‘business use’ when asked how the vehicle will be used.

It’s also important to accurately calculate how many miles you’ll drive per year for both business and social use, as this can affect the cost of the car insurance.

Company car insurance works in essentially the same way as a normal car insurance policy.

 First, you’ll need to get a quote and select what level of cover you need out of the following:

• Third party cover
• Third party, fire and theft cover
• Comprehensive cover

Once you’ve done that you’ll need to let us know how you’ll be using the car on a day to day basis, as outlined above (SDP, SDPC, Business use).

It’s also important to remember that if you select ‘business use,’ you will automatically be covered for social, domestic and pleasure under this policy - so you don’t need to take out two separate policies for business and personal use.

When getting a car insurance quote, you’ll be asked “What do you use the car for?”

There are three possible answers to this question:

• Social, domestic, pleasure and commuting (SDPC)
• Social, domestic and pleasure (SDP)
• Business use

‘Business use’ on a car insurance policy is cover to protect the main driver to use the car in connection with their business. This is not limited to just one place of work - for example, an account manager or salesman may be expected to drive to numerous locations on a daily basis to visit clients. This would be covered under a ‘business use’ car insurance policy.

If you’ll be using your car for business purposes, then it’s important to let us know so we can make sure you have the right cover. Not doing so could invalidate your policy in the event of a claim.

Remember, ‘business use’ should only be selected if you’re using your car in the course of your business. If you’re only commuting to a single place of work, then you don’t necessarily require business cover on your policy.

If you’re leasing your vehicle, you may find that most standard leasing agreements in the UK do not include car insurance as standard.

We can cover lease cars under our standard or company car insurance policy, providing the lease is 12 months or longer and the owner and registered keeper is the name on the lease.

No two drivers are the same. That’s why we make our policies flexible, with a range of company car insurance add-ons to choose from, including:

RAC breakdown cover

Save on breakdown cover from the RAC at discounted student prices. Each cover option will fix your car at the roadside if you are over a quarter of a mile away from home, or take you to a nearby garage. There are no call-out or mileage charges.

Never broken down before? Find out more about what to expect if you breakdown.

Legal expenses

If you have an accident that’s not your fault, this cover will provide up to £100,000 for legal representation for you and all named drivers on your policy to recover the costs not covered by your car insurance. You'll also receive help to defend your legal rights if an accident leads to a motoring offence.

Excess protection

This covers the reimbursement of a policy excess you have to pay following an accident, although please note that windscreen excesses are not included. You can claim as many times as required up to your chosen coverage limit of either £300, £500 or £750 for each excess paid.

What is an excess?

Key cover

This cover provides up to £2,500 for replacing locks and keys for your car, home and office, including locksmith charges. You’ll also receive three days of emergency car hire or the option to reclaim the cost of onward transport if your car keys are lost or stolen.

Enhanced personal accident cover

If you're injured in an accident, you may be left unable to work - either while you recover or permanently, dependent on the severity of your injuries. Enhanced personal accident cover will provide a specified lump sum which may provide immediate security in assisting with bills, medical costs and other expenses that may be incurred.

Hire car cover

If your car is written-off or stolen and not recovered, this cover will provide you with a car to use anywhere in the UK for up to 21 days. All named drivers on your policy aged between 18-79 (with a full UK licence) will be able to use this car and you will be covered for up to two claims per policy.