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- Temporary Business Car Insurance
To get started simply enter your reg...
Temporary Business Car Insurance
Cover for work-related driving
- Comprehensive policies from 1 hour to 28 days
- No long-term contracts, just a separate policy for business use
- No impact on no claims discount
What is temporary business car insurance?
It’s short-term cover when you need to use your vehicle for work-related driving. This insurance is handy if your car is usually used for personal use, but occasionally you have to travel for business reasons e.g. driving to a meeting or conference.
How does temporary business car insurance work?
Do you need temporary business car insurance for an hour? Or are you looking for a policy that will run for a few weeks?
Our flexible policies 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
Enter a few details on our website or app and we’ll send a quote within 2 minutes.
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, so you can be on your way.
The benefits of temporary business car insurance
Fast
With quotes in under 2 minutes, we can get you on the road in no time.
Flexible
Last-minute meeting come up? We can provide you with business cover for as little as an hour or as long as 28 days.
Simple
You only pay for the time you need.
Peace of mind
There’s no impact on your no claims discount.
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
When might I need temporary business car insurance?
What does temporary business car insurance cover?
It’s comprehensive as standard, meaning you, your car and any third parties are covered if you’re affected by an accident.
What’s covered with short-term business car insurance?
- 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 impound insurance)
- 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
Full details of cover may differ depending on the insurer. Please double-check the policy wording before purchasing to confirm what is specifically covered in your policy.
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 car insurance, you must
- Be aged 17-77 years old.
- Have no criminal convictions.
- Not had a previous policy of insurance declared void by an insurer.
To get temporary car insurance, your car must
- Be taxed and in a roadworthy condition with a current and valid MOT (unless you are using the insurance policy to take the vehicle to a pre-booked MOT).
- Not be a hired or rented vehicle.
- 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 (unless you are using the insurance policy to take the vehicle to a pre-booked MOT).
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
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
