Five Million Workers At Risk By Using Own Car For Business

Five million workers are at risk of invalidating their insurance by using their own cars for company business - without being properly insured according to new research by leading insurance comparison site, Each month these workers drive on average 188 business miles or 2,256 miles a year - the equivalent of driving from London to Cairo.

Typically, private car policies provide cover for motorists driving to work or the station car park but, drivers will need to extend their insurance to include business use if they drive to company sites other than their usual place of work. If their car is not insured for business mileage their insurer may refuse to pick-up the bill for any claims incurred while they were at work.'s survey revealed that the top five business journeys made in a private car were:

  • Travelling to a training course (31 per cent)
  • Going to the bank (25 per cent)
  • Driving to another office (24 per cent)
  • Travelling to meet clients or suppliers (23 per cent)
  • Attending company away days (15 per cent)

Hayley Parsons,'s managing director explained, “Less favourable tax treatment has seen a considerable number employees opting out of company car schemes. Many of these workers now use their own vehicles for informal or ad-hoc company business, for example, attending an off-site meeting or a training course, or carrying out the daily banking. But, our research revealed that five million workers haven't extended their insurance to cover business travel – so could be driving uninsured.”

“Our survey also revealed that nearly two thirds of workers claim mileage allowance from their employer but only 28 per cent of employers had talked to them about insuring their vehicle for business use. Organisations shouldn't assume that workers with private car insurance are automatically covered for driving their vehicle while at work. Employers are legally responsible for ensuring that, irrespective of its owner, vehicles used on company business are safe to use - this includes being fully insured for business usage.”

Hayley concluded, “Extending your motor insurance cover to include business use can be relatively inexpensive, and some insurers do not even charge an additional fee for this cover. If workers use their own cars while on company business, no matter how infrequently, we would urge them to check their policy to make sure they are properly insured. And, employers should talk to workers about the necessity of having the correct level of cover before they undertake any private car business journeys.”




We now offer financial advice

Financial advice and planning is very important in today's money-driven world. Planning your financial future is an important step for you and your family. Click the button above and let us help you ensure your financial security.

Our independent service is available free to everyone and our financial planning partners are able to advise you about different products from a wide range of financial service providers, to find a solution tailored to your needs. The focus is on the client and our mission is to ensure that we deliver an excellent personal service.

The advisor that you will deal with has a wealth of experience in the investment world and can deliver professional investment advice on a truly independent basis. We fully appreciate that no two clients' needs are identical, and will tailor our recommendations according to individual's own requirements.

Call 0800 080 5511 for more details or email


Get the Best Insurance Deals have access to a wide selection of the UK's top insurance companies and when combined with our knowledge of the cover available, we feel well placed to help you answer all your insurance questions.

Our aim is to provide you with an ongoing quality service to ensure your needs receive long term committed attention.

We advise on all types of insurance for a comprehensive spectrum of clients in industry, commerce and the professions. We have a specialist insurance unit for each kind of insurance available, with experts who have years of experience and in-depth knowledge of their specialist subjects.

car insurance deals | home insurance deals | best travel insurance deals | pet insurance deals | compare insurance deals | insurance specialists | best computer insurance deals |critical illness insurance deals | income protection insurance deals

Call 0800 080 5511 for more details or email

@copyright 2016 | Get the Best Insurance Deals, Sourcing Cheap Vehicle Accident Repair and Breakdown Insurance, Home Insurance, Travel Insurance, Pet Insurance