Why business insurance is essential for driving roles

Why business insurance is essential for driving roles

It’s a legal requirement to have insurance for the car you are driving. But if you use your car for work, did you know you need business insurance for it? Maybe not!

Using your car for work could literally just be using it to commute to and from work every day, or you could use it as a major part of your working routine. Either way, ensuring you have suitable insurance for your usage is very important.

Here at RedWigWam, we have lots of exiting driving roles, so we thought it was worth looking at why you need take out business insurance if your job requires you to do a lot of driving. Many people underestimate how important car insurance is until they need it.

Check your insurance policy

Firstly, it’s important to remember every insurance policy is slightly different; different premiums to pay, different coverage for different events. You need to check your own policy very carefully if you use your car in connection with work to make sure you are covered for everything you think you are.

It’s probable a standard policy won’t cover you for business use, which is where business insurance comes in.

The right business insurance for a driving role will cover you for anything which happens whilst you’re acting on behalf of the company you work for. This could be having other employees in the car with you, company goods and equipment, or even working away in a different location.

There are of course, several types of cover available when it comes to taking out a business insurance policy for your car. Your insurance company will help you determine what you need by asking a series of questions. This may include the nature of your job, whether you have others in the car regularly, whether anyone else drives the car and how long you spend on the road. It’s essential you are honest, and can provide as much information as possible to make sure you are fully covered.

Standard policies, depending on which cover you have, will usually cover your commute to work – but that’s about all you’ll get. This is why business car insurance is essential. It’s easy to assume having normal car insurance means you are covered whenever you are out in your car, but this is not the case.

When do you need business insurance?

  • If you have work equipment or tools in your car which are stolen whilst on the job, you’d need business insurance.
  • If you have an accident whilst commuting to or from work, or driving between work locations, then make sure your standard insurance covers you – otherwise, you’d need business insurance.
  • If you have any sort of car trouble whilst using your car for business purposes and not personal or social use, chances are you won’t be able to make a claim on your standard policy.
  • If driving your car is an important part of your everyday work life, it absolutely makes sense to insure yourself properly. You never know when an accident might happen.

Taking out business insurance for your car is usually relatively inexpensive. But it is essential to make sure you’re covered for all eventualities on your driving role.

When you register at RedWigWam, we’ll ask you if you are a car owner and if you have business insurance. Please make sure you have ticked the box to say you have – otherwise you won’t be able to book on to any driving roles with us.

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