Temporary business car insurance is short-term cover that includes driving for work — not just social, domestic and pleasure. Use it when you need a car for client visits, a temporary role, or commuting in a vehicle that is not on your annual policy.
What counts as business use?
Social, domestic and pleasure (SDP) covers personal driving. Business use typically covers travel between sites, visiting customers, or using the car as part of your job (excluding hire and reward).
InstantCover temporary car insurance includes SDP and business use so you are not limited to personal trips on a short-term policy.
When to choose temporary business car insurance
Common situations include:
- Using a colleague’s or hire-replacement car for work for a few days
- A short contract where the car is not on your annual policy
- Covering business mileage while your own car is off the road
- Temporary commercial car insurance needs for a limited project
Business car vs temporary van insurance
If you are driving a van for trade or deliveries, use temporary van insurance — business use is built in. If you are driving a car for work, this temporary car product is the right starting point.