Any individual or company using a vehicle for work purposes beyond standard commuting should have business vehicle insurance. If you drive your own car to visit clients, carry equipment, deliver goods, or have employees drive company vehicles, a business (or commercial) policy is required. In the UK, you’re legally obliged to insure any vehicle used on the road for the correct usage. Importantly, a personal car insurance policy typically will not cover work-related driving (except simple commuting).

So, if you use vehicles in the course of your business, whether it’s a taxi, a van full of tools, a pool car shared by staff, or a lorry hauling goods, you need business vehicle insurance to stay protected and legal. This ensures that in the event of an accident or claim while working, your insurance will pay out and you won’t be personally liable for huge costs.

Yes. Business vehicle insurance can be set up to cover multiple named drivers or even “any driver” using the vehicle (as long as they have permission and a valid licence). An Any Driver policy offers maximum flexibility, any employee or team member can get behind the wheel and be insured, which is ideal if you have a pool vehicle or rotating drivers. However, this convenience can come with a higher premium.

Alternatively, you can opt for a named driver policy, listing specific people who will drive; this is often cheaper if you have a small, consistent team. We’ll help you decide which approach makes sense. For example, a small business might insure 2–3 named drivers on a van, while a taxi firm or large fleet might prefer any-driver cover so that any qualified staff are automatically insured. Either way, we ensure that all drivers are properly covered so there are no surprises when someone new gets behind the wheel.

A business vehicle policy typically covers all the same core risks as a personal auto policy – and then some extras tailored to commercial use. Fundamentally, it includes at least Third-Party Liability, which covers injuries to other people or damage to their property if your vehicle is involved in an accident (this is the minimum legal requirement).

Most business policies will also cover accidental damage, fire, and theft for your own vehicle (especially if you choose comprehensive cover). In addition, you can expect features like coverage for windscreen repairs, and many policies include or offer add-ons such as breakdown recovery and roadside assistance, courtesy vehicle hire (to keep your business running if your van/car is in for repairs) and legal expenses coverage.

If you carry goods, tools, or stock, you can add cover for those contents as well. Essentially, business vehicle insurance is designed to keep your wheels turning, it protects against the common risks (accidents, breakdowns, theft) and the specific needs of business users (like covering multiple drivers, contents, or higher liability limits). When arranging your policy, we’ll help you choose the right combination of coverages so everything important is protected.

Absolutely. Business vehicle insurance isn’t one-size-fits-all and that’s where we shine as a specialist broker. We work with you to customise the policy so it fits your exact requirements. This means you can choose the coverage levels and options that make sense for your business.

For example, you might want to include any-driver cover if you have many employees driving, or you may opt for named drivers to save on cost. You can add extras like breakdown cover, tools or cargo cover, or increased liability limits if your work demands it.

The policy can also be structured around your fleet size: whether you need to insure just one vehicle or fifty, we can arrange multi-vehicle or fleet policies to simplify management. At Insurance Revolution, our philosophy is that you should only pay for what you need – but also get everything you need.

We’ll ask about how your business operates, the types of vehicles and journeys involved, and any special concerns (for instance, younger drivers under 25, or driving abroad) to ensure your insurance package is spot on. The end result is a bespoke policy that gives you full protection and peace of mind, without waste or unnecessary costs.

It can be, yes, mainly because driving for work typically involves higher risk than personal driving. Insurers take into account that business vehicles often cover more miles, spend more time on the road (often during peak traffic or long-distance trips), and may be driven in unfamiliar areas or under tighter schedules.

You might also be carrying passengers (e.g. taxi clients) or valuable goods/equipment, which adds to the potential liability. All these factors mean there’s a greater chance of accidents or claims, so premiums for business use are usually higher to reflect that risk. In fact, studies show that business drivers face hazards like heavy rush-hour traffic, long hours behind the wheel, and the need to drive in all sorts of conditions, which increases the likelihood of incidents. However, every case is different.

The cost will also depend on things like the driver’s experience, the type of vehicle, your location, and exactly what you’re using the vehicle for. The good news is there are ways to keep costs reasonable. For example, maintaining a good driving record and no-claims bonus, using telematics or dash cams, securing your vehicles (alarms, safe parking), and choosing the right excess can all help reduce premiums.

Combining multiple vehicles under a fleet policy or any multi-vehicle discount can also save money. Our experts will work with you to find the most cost-effective solution without sacrificing the cover you need. Remember, while business insurance might be a bit more expensive upfront, it’s far cheaper than paying out of pocket for a big claim that isn’t covered by the wrong policy.