Temporary Business Car Insurance
Why choose our temporary business car insurance?
- Fully comprehensive policies that last from just 1 hour right up to 28 days
- No long-term contracts, just a separate temporary car insurance policy for business use
- No impact on your No Claims Discount
What is temporary business car insurance?
Temporary business car insurance is a type of short-term cover for when you need to use your vehicle for work-related driving. This is useful if your car is usually for personal use but you occasionally have to travel for business reasons.
We offer quick, easy and affordable cover that means you’ll be able to legally drive for work purposes right away. We’ll give you a quote in under 2 minutes, so you can arrange your cover and get on the road in no time.
How does temporary business car insurance work?
Do you need temporary business car insurance to cover you for an hour? Or are you looking for a policy that will run for a few weeks? We have flexible policies that are tailored to the length of time you need. To get started, simply tell us a few details about the driver, the car, and how long the cover is needed for.
1. Get a quick quote
All you need to do is enter a few details, such as the car registration number, when you want your cover to start, and how long you need it to last. You can do this on our website or via our Tempcover app.
2. Check your quote
Once you have your quote, confirm you’re happy to move forward and read the declaration carefully.
3. Get your cover
Buy your policy and we’ll email all the documents you need, including the certificate of insurance, to get your business travel underway.
The benefits of temporary business car insurance
It's quick
We can get you on the road in no time. We just need a few details and you could receive your quote in under 2 minutes - perfect if you've been booked for a work event at short notice.
It's flexible
We know that last-minute business meetings can come up from time to time. If your car is already insured for personal use but you need to use it to get to a client’s office, we can provide you with temporary business cover for as little as an hour or as long as 28 days. You only pay for what you need.
It's simple
Once you’ve paid, all your documents will arrive by email so you’re good to go straight away.
Your no claims discount is protected
A temporary car insurance policy is separate from other policies. So, when you need short-term cover for business use, there’s no impact on your annual No Claims Discount.
Get in touch with us for more information or to get a quote.
Marc Pell
Managing Director
What our expert says
Tempcover's temporary business car insurance gives you both flexibility and peace of mind when it comes to business trips and other work-related travel. Fully comprehensive, you can get a quote in under 2 minutes and it won’t affect any existing policies.
Marc Pell
Managing Director
Get temporary business car insurance quotes in under 2 minutes
If you have an accident while driving for work and don’t have the right policy, you could be refused for any claim you make. There are several reasons why you might need to update your cover to include business travel.
When might I need temporary business car insurance?
What does temporary business car insurance cover?
Buying comprehensive temporary business car insurance covers yourself, your car and any third parties affected by an accident.
What’s covered with short-term business car insurance?
- Fully comprehensive insurance on temporary policies from 1 hour to 28 days
- Accidental and malicious damage to your car
- Cover for injury or damage to another person or their property
- Driving in the UK
- In some instances, driving in the EU with the third-party or equivalent level
What’s optional with temporary business car insurance?
- Excess Reduction Cover, reducing your policy excess to as close to £100 as possible
What’s not covered with temporary business car insurance?
- The excess you agreed to pay
- Release from an impound (unless you buy a specific temporary impounded vehicle policy)
- Additional drivers – we can only cover the driver named on the policy
- A sole claim or separate cover for broken/damaged glass, including the windscreen
Tempcover works with a panel of insurers to ensure we can help as many drivers as possible. Because of this, the full details of your temporary business car insurance may differ depending on the insurer. Please double-check the policy wording before purchasing to confirm what’s covered.
Need more information on how you can buy temporary business car insurance to suit your circumstances? Simply get in touch with the team. Alternatively, get a quote in under 2 minutes.
Am I eligible for temporary car insurance for business use?
Like all temporary policies from Tempcover, short-term business car insurance* is available to a wide range of drivers. Having sold millions of policies, we’re confident that most people can get cover with us.
To get temporary business car insurance, you must
- Be aged 17-78 years old.
- Hold a full UK or EU driving licence with no more than 7 points in the last 3 years.
- Have been a permanent UK resident for the last 12 months or be a British expatriate.
- Have no criminal convictions.
- Not had a previous policy of insurance declared void by an insurer.
To get temporary business car insurance, your car must
- Be valued between £1,500 and £65,000.
- Be taxed and in a roadworthy condition with a valid MOT.
- Not be modified in any way except if designed to aid disabled drivers.
- Be a right-hand drive car with no more than 8 seats.
- Not be declared SORN.
Each insurer on our panel has its own eligibility criteria. Please pay close attention to the Proposer’s Declaration.
How much does it cost to buy temporary business car insurance?
Looking for cheap temporary business car insurance? Like any other policy, the cost of your cover will take several factors into account, such as:
- Your age
- Your location
- Your driving history
- Your driving licence type
- How long you’ve been driving
- The make and model of your car
- How old your car is
- The value of your car
The cover you want for the duration you need
Full cover, no impact
Get fully comprehensive temporary business car cover with no impact on your annual insurance policy’s no claims discount.
Hourly or longer
All customised, nothing added
Customise your policy to suit your needs.
Why get temporary business car insurance from Tempcover?
We can give you the peace of mind that comes with having comprehensive cover for as long as you need it. Here’s why we’re a great choice:
- Tempcover is a leading provider of temporary insurance for drivers in the UK, with over 15 years of experience in the industry. We’ve helped millions of car owners get flexible insurance at affordable prices
- Our temporary car insurance policies are ideal if you just need to quickly borrow a vehicle or lend someone yours for business use
- Our highly skilled team is always working hard to make it easy for you to access a flexible policy
- Getting a quote from us and setting up your cover is quick and simple
- We’ve been praised by customers and recognised by other businesses and insurance bodies for our customer-centric approach in a field that can sometimes appear complex
- We have an ‘Excellent’ rating on Trustpilot
Our customer feedback
Want to know how past customers have made the most of our temporary business car insurance and other products? We have thousands of reviews on Trustpilot and an overall rating of ‘Excellent’.
We’ve been recognised for our work with plenty of awards
We work directly with insurers to provide you with short-term insurance to suit your needs
You can pay for your short term insurance policy in several ways. Using our secure payment system, you can use the following payment methods:
After you’ve bought your policy, your documents will be emailed to you instantly so there’s no waiting around.
Temporary business car insurance FAQs
You must tell your insurer exactly what you’re using your car for. This is because you won’t be covered if your car isn’t being used for the reasons you said it would be.
If you regularly drive for work, you’ll likely need to tell your insurer that you need business use cover throughout the year. If you typically use your car for social and domestic driving and then you’re asked to drive to a last-minute client meeting or you need to borrow a colleague’s car for a work trip, you still need cover.
Updating your annual policy can be time-consuming, so that’s where our temporary business car insurance comes in. We offer you short-term cover for anything from one hour to 28 days. This is a separate policy that won’t affect your standard insurance.
There are different categories – known as ‘classes’ – when it comes to car usage. Insurers use these to determine the level and type of cover that’s needed. It’s worth double-checking the car use class on your annual policy before you buy temporary business car insurance – it may be that you’re already covered to drive for work reasons.
The classes are:
- Social, domestic and pleasure: You can do normal day-to-day driving, such as visiting friends and family or doing the school run. This class will not cover you if you drive your car to work.
- Social and commuting: This includes what’s covered in a social, domestic and pleasure policy, but it also covers commuting to your workplace. You’ll need this type of cover even if you don’t take your car all the way to work. This level of cover is just for commuting, however. It doesn’t allow you to drive your vehicle for any kind of business use.
- Business (Class 1): This applies if you use your vehicle for anything relating to the work you do, like if you need to travel to another office or site. Commercial travelling is often covered by this level of insurance too.
- Business (Class 2): This is similar to Class 1, but it also allows a named driver on the policy.
- Business (Class 3): This is for people who frequently travel between business locations.
- Commercial: This is for those who primarily use their car for business – for example, if you were a taxi driver or a driving instructor.
We offer cover from an hour that gives you the same flexible, comprehensive cover that you’d get if you wanted to purchase a standard daily or weekly car insurance policy.
Whether you need business car insurance for an hour or 28 days, our temporary cover can give you peace of mind. Getting a quote is quick and easy and your policy can begin instantly.
Getting a quote from us is straightforward. To get your quote underway, let us know:
- Your car’s registration number
- The estimated value of your car
- Your name, date of birth, and address
- Your driving licence number and type
- Your email address and phone number
- When you’d like your temporary business car insurance to start
We’ll send them to the email address you provide us with as soon as your policy is confirmed and your payment has gone through.
After that, you’ll be ready to get to that meeting or business conference!
You can find out when your business car insurance expires by checking the ‘You’re Covered!’ confirmation page or via the secure link in your confirmation email.
If something does happen on the road and you need to make a claim, your insurer’s dedicated claims-handling team will help. You’ll find the claims number to call displayed on your Certificate of Motor Insurance or policy wording.
Once it’s safe to do so, call your insurer as soon as you can. This is especially important if you need your vehicle to be recovered.
Yes, if you plan to drive someone’s car it’s sensible to get a temporary policy of your own so that the registered keeper’s No Claims Discount isn’t compromised if there’s an incident while you’re on the road.
Short-term insurance might not be the best choice for some drivers.
- If you need cover for a longer period (more than 28 days), an annual policy might be more cost-effective
- Being added to someone else’s annual policy can work out cheaper, but it’s important to be aware that any claim could affect their No Claims Discount
- If you’re hiring a car for business use rather than borrowing one, a temporary policy won’t cover you
