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Temporary Business Car Insurance
RAC Temporary Business Car Insurance covers you for business related travel when you need it. Our flexible, short-term cover from 1 hour to 30 days will cover you to drive your car or someone else’s, and you can be ready to go within 15 minutes. So, whether you need cover for a one-off business trip, or travelling to another office for only a few days a month, RAC Temporary Business Car Insurance could be the answer.
No need to pay for business cover on your annual car insurance policy
If you need to claim, it won't affect the NCD on your annual policy, or the NCD of the person who owns the vehicle
What is temporary business car insurance?If you plan to drive your car for business and your annual car insurance policy only covers you for commuting to a single place of work, you'll need to update your cover. However, adding business use to your annual policy could raise your premium, and incur an admin charge from your insurer to change your policy. This is where temporary business car insurance comes in. You can take out a policy alongside your existing cover so you only pay when you need to.
Business use for car insurance includes:
✓ Visiting another office for a meeting or training Why choose RAC Temporary Business Car Insurance?With many of us travelling less for work, you’ll want a cost-effective solution for insuring your car. • Fully comprehensive – our policies are comprehensive, and cover loss, theft, fire and vandalism • No restrictions – no limitations on mileage or curfews • EU cover – comes with the minimum cover required for driving in the EU as standard. You can choose to upgrade to comprehensive EU cover when you purchase • Legal expenses included – up to £100,000 cover for legal costs if you’re involved in an accident • Breakdown cover available – you can choose to add short term RAC Breakdown when you purchase, so we're here for you no matter what
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What's covered by temporary business car insurance?
RAC Breakdown assistance with Onward Travel options
Comprehensive cover while you’re on the road in the EU
So you're not out of pocket if you need to make a claim
Looking for other short-term insurance?
Other flexible car insurance options include: Black Box Car Insurance, Learner Driver Insurance and Pay by Mile car insurance.
- have a market value of less than £75,000
- have 8 seats or less
- under 3.5 tonnes gross vehicle weight (GVW)
- have an engine size of 3999c or less
- not be a hire car
- not be imported through channels other than the maker’s official distribution system
- be for journeys that start and end in the UK (exporting is not permitted)
- not be for transporting passengers or goods in exchange for payment, or goods or property which doesn’t belong to you (e.g. courier services or fast-food delivery)
- not be for carrying hazardous goods or use at hazardous location
Frequently Asked Questions about temporary business car insurance
Q. Do I need business car insurance?
Q. Am I covered for business travel on my annual car insurance policy?
Not necessarily. If you usually only commute to one place of work, an office for example, then your insurance policy likely only covers you for your commute and won’t automatically cover you if you need to drive somewhere else for business.
Q. Can I get insurance to share the drive for a work or business trip?
Q. How do I insure myself on someone else's car?
Adding yourself to someone else's annual policy would likely increase the premium they pay and could attract a fee for changing their policy. If you were to claim on the policy, it could also impact their No Claims Discount.
A simpler solution could be to take out an RAC Temporary Car Insurance policy. Our short-term policies cover business use and allow you to insure yourself on someone else's car within 15 minutes. Cover is comprehensive as standard, and if you need to make a claim it won't impact the NCD of the car's owner.
Q. Would a separate temporary business car insurance policy be cheaper than adding business use to my annual policy?
Q. What’s the difference between business use and commercial use?
Business use is if you’re using your car to travel to different places of work, for example if you're a sales agent or a doctor.
Commercial use is for when your car forms a key part of your job, such as a courier or taxi driver - our policies don’t cover the transport of goods or people for hire or reward. RAC offer insurance for commercial use.
Q. Can I get temporary car insurance for business use to drive in Europe?
Q. Is there a limit to the number of times I can take out a temporary business car insurance policy in a year?
There’s no limit to the number of times in a year that you can take out an RAC Temporary Business Car Insurance policy.
Q. What is the maximum number of days I can hold a temporary business car insurance policy for?
You can hold an RAC Temporary Business Car Insurance policy for a maximum of 30 days.
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