Temporary Business Car Insurance

Short-term business cover for 1hr to 30 days

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Existing customer? Find out how to get in touch or amend your policy

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.

Saves you money

No need to pay for business cover on your annual car insurance policy

Protects your No Claims Discount

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

Flexible, quick & easy

Get cover within 15 minutes and extend online anytime


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
 Driving to a conference
An ad hoc visit to a client
Sharing a drive with a colleague 
Insuring yourself on a colleague's car
 

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

 

What's covered by temporary business car insurance?



What's covered

  •   Loss, theft, fire or vandalism
  •   Legal liability if another person is injured or dies, or their property’s damaged
  •   Damage after an accident
  •   New car replacement
  •   Accident recovery and an approved repair service
  •   Legal expenses cover up to £100,000
  • Please read our full policy requirements

What's optional

  • + RAC Breakdown Cover
    RAC breakdown assistance with Onward Travel options
  • + European car insurance cover
    Comprehensive cover while you’re on the road in the EU
  • + Excess Protection
    So you're not out of pocket if you need to make a claim

    Read more about our optional cover.

 

Looking for other short-term insurance?

Temporary car insurance

If you need to borrow a car and aren’t covered by an existing policy, temporary car insurance covers you for 1 hour to up 30 days

Find out more 

Temporary van insurance

If you need to borrow a van to move house or for your business, temporary van insurance provides flexible cover 

Find out more 

Test drive insurance

Short-term cover in case you want to test drive a car before buying. Or – if you’re the seller – you can cover potential buyers. 
 

Find out more 

Other flexible car insurance options include: Black Box Car Insurance, Learner Driver Insurance and Pay by Mile car insurance.


The car must:

  • • 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 

Usage must:

  • • 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?

If you’re planning a business trip, travel to a conference, or need to visit another company office, you should check if your annual insurance policy covers you for business travel. If it doesn't, you’ll need to arrange cover. Get a temporary business car insurance quote.

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?

Yes, you can. If you and a colleague are taking their car, you can take out a temporary car insurance policy to ensure you’re covered to drive their car for the duration of the trip. Get a temporary business car insurance quote.

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?
If you need cover for business use all year round, then you could contact your current car insurer and add business use to your policy. This will likely increase your premium and could incur a fee for changing your policy. If you only need to drive your car for a short period of time, it might be more cost effective to take out a Temporary Car Insurance policy, which offers cover of between 1 hour and 30 days at a time.
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?
Our policies can be extended to offer comprehensive cover for trips to Europe. You can also add Temporary UK Breakdown cover to your policy when you purchase. We also offer a separate short-term Breakdown cover for European travel.

 

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. 
 


Looking for Commercial or Fleet Insurance?

RAC Business Motor Insurance can provide cover for fleets, the motor trade, taxi’s, trucks and more. Visit our RAC Business Motor Insurance page for more information.

 


RAC Temporary Car Insurance protects your vehicle with pay as you go comprehensive cover from 1 hour up to 30 days

  

Both short-term Breakdown cover and European driving cover is available when you buy Temporary Car Insurance

  

Find out how to amend your policy, make a claim, and obtain proof of insurance

  
We also offer

Pay-by-day car insurance from 1 hours-30 days

  

Provides van drivers with short term cover for vehicles up to 3.5 tonnes. Cover from 1 hour to 30 days.

  

RAC Test Drive Insurance offers cover from 1 hour to 30 days for drivers looking to test drive a vehicle. Buy cover online 24/7

  

Our comprehensive Car Insurance Plus is packed with features and benefits and has a Defaqto 5 Star Rating.

  

Find insurance cover for your electric or hybrid car at the right price with RAC.

Protect yourself from unexpected costs when hiring a car. Daily cover from the equivalent of £2.99††

  

A new kind of car insurance for lower mileage drivers.

  

RAC Black Box Car Insurance helps young drivers save money by rewarding safe driving

  

RAC Learner Driver Insurance offers flexible, short term cover whilst you gain experience behind the wheel. Buy comprehensive cover online 24/7

  

RAC's Legal Care Plus Protection for just £15 a year is there to provide the cover you’ll need if you’re involved in a car accident that wasn’t your fault.

  
Advice and guides

8 things you might not be covered for

Here are 8 surprisingly common scenarios that could earn you a minimum penalty of £300

Find out more   

12 ways you could accidentally invalidate your insurance

So how could you invalidate your insurance? To help keep you covered, here's our guide.

Find out more

Driving in Europe check list

There are a number of requirements you might not be aware of when driving in Europe. Here’s our guide.

Find out more   

††Based on UK resident buying a single trip policy to cover 10 days car rental in Europe.

RAC Financial Services Limited act as an introducer to Dayinsure.com Ltd for RAC Day Insurance. RAC Financial Services Limited is registered in England No. 5171817. Registered Office: RAC House, Brockhurst Crescent, Walsall WS5 4AW. RAC Day Car Insurance is arranged and administered by Dayinsure.com Ltd, which is registered in England no. 4996289, registered office: Mara House, Tarporley Business Centre, Nantwich Road, Tarporley, Cheshire CW6 9UY. Both companies are authorised and regulated by the Financial Conduct Authority. RAC Day Insurance is underwritten by Aviva Insurance Limited. Registered in Scotland, No 2116. Registered Office: Pitheavlis, Perth PH2 0NH. Aviva Insurance Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

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