Business vehicle insurance – which is also known as commercial vehicle insurance – is a legal requirement in the UK, and protects you if you use your car or van for work-related purposes.
People often think that standard personal vehicle insurance policies cover them for work too, but this isn’t the case. Standard policies don’t offer the same level of protection as business vehicle insurance does – in fact, standard policies only cover you for social use and commuting.
Business vehicle insurance covers a much wider range of uses than a standard vehicle insurance policy. With a commercial vehicle insurance policy, you’re protected if you travel between different locations for work, if you drive employees or colleagues around, use your van to commute to any place of work or if you use your vehicle for work – and anything else that you use the vehicle for on behalf of your business.