What is Temporary Business Car Insurance and how does it work?
Temporary business car insurance is designed to cover you for business-related travel, like visiting a client or heading to a conference. It covers you for driving your own car or a colleague’s car, as long as you’ve got their permission. Don’t worry, there’s no risk to your or their No Claims Bonus, even if you need to make a claim. Nice.
Got an annual policy? Heads up – this may not cover you for all business-related driving. Taking out a short-term policy to cover you for a work trip saves you from having to add business use to your annual car insurance policy, which could save you a few quid. It’s also more flexible as you can select the length of cover you need, whether it’s hourly, daily, weekly, or monthly cover. At Swinton Go!, we offer policies ranging from just one hour up to 28 days.
Who Needs Temporary Business Car Insurance?
If you travel for work, it could be for you. Temporary business car insurance covers you to drive your own or someone else’s car for business purposes – something your standard policy might not include.
If you’re covered for social driving and commuting but need to travel somewhere other than your usual workplace for a business trip, temporary business car insurance may come in handy.
Trips could include:
- Travelling to another site or office
- One-off business trip such as attending a conference or training
- Sharing a journey with a colleague
- Visiting a client
Policy Options
Need a flexible policy? You’re in luck. Swinton Go!’s temporary business car insurance offers short-term cover, with options from as little as one hour up to 28 days. Plus, with instant cover, you can get out and go in minutes.
If you need more time behind the wheel, you can take out a new policy in just a couple of minutes. Instant cover means you can get right back on the road.
What’s Covered and What’s Not?
The specifics of your cover may vary, but all of our policies are comprehensive and typically include benefits such as:
- Flexible cover from 1 hour to 28 days
- Cover for leisure, commuting, or both
- Accidental and malicious damage to the car
- Damage caused by fire, theft, or attempted theft
- Damage to another person’s vehicle or property
- Injury to another person following an accident
This summary does not describe all the Terms and Conditions of your policy, so please take the time to read the full details when you get your insurance quote.
How do I get a quote?
Getting a quote is straightforward, just fill out our online form with your driving licence number and information about you and the car you plan to drive, select the length of cover you need, and we’ll provide you with a quote. It only takes a few minutes.
If you’re happy, you can purchase the policy and you’re good to go. Your policy documents are available to view anytime in My Account. Want a paper copy? We can send those too if you need them.
Why choose Swinton Go! Temporary Business Car Insurance?
- No risk to yours or the vehicle owner’s No Claims Discount – Both of your No Claims Discount remain unaffected, even if you need to make a claim.
- Flexible policies – Choose a policy length that works for you, from just an hour to 28 days.
- Comprehensive cover – Have peace of mind that you’re covered against accidents, damage, theft and injury.
- Be on the road in minutes – Just fill out a quick form, pay for your cover and you’re good to go! Your policy documents are available to view anytime in My Account, and can be sent via post too.
Frequently Asked Questions
How much temporary business car insurance costs varies based on several factors, such as your driving experience, the make and model of car you’re insuring, and the length of policy you choose. Getting a quote online is the quickest way to find out how much your desired policy would be – it only takes a few minutes.
Need business cover for just one day? We could help with that. Our temporary business car insurance can cover you from as little as one hour, up to 28 days at a time. When you get a quote, just tell us how long you need your policy to last.
We don’t currently offer temporary insurance on commercial vehicles. You can get cover on your own car or someone else’s, such as a colleague’s, with no risk to your or their No Claims Discount. While we don’t cover commercial vehicles, business use is included as standard.
This depends on your insurance policy and what is covered by your provider. Some policies cover you for commuting to your typical place of work, but not for other business uses, so you would need to add this cover to your policy. Bear in mind, this could increase the price of your premium, which is why some people opt for separate temporary cover for business use.
Always check your policy documents to find out what you’re covered for.