Temporary 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.

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.

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.

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.*

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.

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. See our exclusions on commercial use. RAC offer insurance for commercial use.

Our policies can be extended to offer comprehensive cover for trips to Europe. Journeys must start and finish within Great Britain, Northern Ireland or the Isle of Man, and cover is only available for cars registered in the UK. We can only provide temporary car insurance for business use to travel to countries within the EU, EEA, and Switzerland. See the government website for a list of countries. You can also add Temporary UK Breakdown cover to your policy when you purchase. We also offer separate European breakdown cover membership if don’t have an existing insurance policy with us.

There’s no limit to the number of times in a year that you can take out an RAC Temporary Business Car Insurance policy. 

You can hold an RAC Temporary Business Car Insurance policy for a maximum of 30 days. 

Class 1 and Class 2 business insurance both cover you for simple business use – like driving to more than one place of work. The only difference is that Class 2 means you can cover another driver on your policy.