Provides support if your car fails, including towing or repairs.

Reduces the amount you pay out of pocket following a claim.

Provides a replacement car while yours is being repaired.

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Self-EmployedCar Insurance

Q: Motor legal protection

Covers legal costs if you need to seek compensation after an accident.

Q: Personal accident cover

Offers compensation if you suffer an injury in a car accident.

Q: Business equipment cover

Protects any equipment you carry for work; covers damage or theft while on the road.

When you're self-employed in the UK, standard car insurance policies don't always fit. However, it's not impossible to find something that works. Self-employed car insurance gives drivers coverage that works for their lifestyle and driving needs.

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Compare self-employed car insurance quotes

Get personalised quotes in minutes by sharing some information about yourself and your car.

Tell us about yourself

We'll ask for details like your age, address, job, and driving history to tailor the right cover.

Let us know your car details and cover preferences

Enter your vehicle's make, model, and any modifications. Then choose how you use your car and the type of cover you want.

See quotes and select your cover

We search a wide range of insurers so you can compare quotes side by side. Go with the policy that works best for your budget and gives you the insurance you need.

What is self-employed car insurance?

Self-employed car insurance is a type of policy designed for people who need business cover when they drive.

Unlike standard insurance, this specialist policy could cover you when using your car for work purposes. It's often a requirement if your business involves driving clients or equipment or making deliveries. At a minimum, self-employed insurance protects you against third-party damage, but you can also choose the exact level of cover you need.

Do self-employed drivers need special car insurance?

Yes, if the vehicle will be used for business purposes. A regular domestic policy only covers personal use, but special car insurance could offer additional protection.

Legally speaking, you must have the right type of cover for any business use. If you rely on a standard policy while driving for work, your insurance could be invalid and leave you personally responsible for any damage or claims.

Is self-employed car insurance more expensive?

Self-employed insurance can be more expensive than standard policies, but the price depends on several factors. How often you use your car for business, your driving history, the type of vehicle, and where it's parked all influence the premium. The cost reflects the level of risk insurers see, and it's made to give you adequate financial protection.

How much is self-employed driver car insurance?

The cost depends on your circumstances. For example, the median price for a comprehensive van insurance policy paid annually is £466* for self-employed drivers. For other types of cars or occupations, the cost may be significantly lower.

*Disclaimer: Amount shown is for illustration purposes only. Actual premiums depend on individual circumstances and are subject to insurer verification.

What type of car insurance is best for self-employed drivers?

Choose the right insurance depending on what will suit your needs and the level of cover you require. Here's a breakdown of the main options:

Third-party insurance

A basic policy that covers any damage you cause to other people's vehicles or property. It's the most affordable option but offers limited protection.

Third-party, fire and theft insurance

This policy adds cover for accidental damage to your vehicle caused by fire, or loss due to theft. It's a step up from basic third-party, with extra protection for your car and business-related risks.

Comprehensive insurance

This provides the highest level of cover for a higher price. It protects your car against accident damage as well as third-party claims.

Disclaimer: Coverage suitability depends on your individual needs and circumstances. Consider your vehicle value and personal preferences when choosing.

Does being self-employed affect car insurance?

Yes, if you use your vehicle for business purposes. Policies for self-employed drivers account for the extra miles, client visits, or work-related trips you make, which influence your premium.

Is car insurance tax-deductible for self-employed people?

If you're a self-employed driver, some of your car insurance costs may be tax-deductible when the vehicle is used for business. This includes trips to meet a client or customer, as long as the mileage is for work.

How to lower your car insurance as a self-employed person

Here's how to keep your car insurance costs manageable:

Pay annually

Paying annually helps you manage your budget more effectively and avoids the interest charges often added to monthly premiums.

Compare cover levels

Reviewing different cover levels ensures you choose protection that matches your needs while reducing your financial exposure if something goes wrong.

Increase your voluntary excess

Opting for a higher voluntary excess can lower your premium, as insurers view you as taking on more of the upfront cost in the event of a claim.

Reduce your mileage

Keeping your annual mileage low can cut your insurance costs, as driving less reduces the likelihood of being involved in an accident.

Improve car security

Adding security measures such as extra locks or alarms can help deter theft and may lead to lower insurance premiums.

Choose secure parking

Parking in a garage or well-lit, monitored area reduces the risk of theft or damage, which insurers often factor into pricing.

Avoid car modifications

Avoiding non-essential modifications helps keep premiums down, as changes to performance or appearance can increase risk in the eyes of insurers.

Shop around

Comparing quotes from different insurers ensures you’re aware of all available options and can select a policy that offers the best value.

What affects the price of my car insurance premium?

These are some of the main things insurers consider:

Age, Job and Experience

Your age, occupation, and driving experience are important factors that influence your premium.

Your overall risk profile

Insurers consider your overall risk profile, including past claims and the type of journeys you take.

Carrying valuable items

Carrying work equipment or valuable items in your car can increase the cost.

Third-party damage risk

The potential to cause damage to someone else's property is taken into account.

Injury risk assessment

How likely you are to injure yourself or others in an accident also affects the price of your cover.

Can I claim car insurance as a business expense?

If you drive for work, you may be able to make a claim for part of your premium as a business expense. However, not all types of insurance for the self-employed qualify, so double-check what you can actually claim.

What optional extras do I need?

Consider optional extras to make sure you have the protection you need:

Motor legal protection

Breakdown cover

Personal accident cover

Excess protection

Courtesy car cover

Business equipment cover

These options aren't essential for everyone, but depending on your personal situation, they could be useful.

What details do I need to provide to get a car insurance quote?

Before you register, it helps to have a few details ready so you can get the most accurate price. Here’s what you’ll be asked:

Age
Occupation (for example, electrician, studio worker, photographer, or hairdresser)
Home address and where the car is parked overnight
Car usage
Estimated annual mileage
Driving licence number
Car registration number
Purchase date of the car
Vehicle modifications
Your No Claims Discount
Accident or claims history (last 5 years)
Convictions or penalties (last 5 years)
Additional drivers

FAQ

Can self-employed people claim on their car insurance?

How much is self-employed insurance per month?

Is self-employed car insurance different from company car insurance?

Is car insurance cheaper for the self-employed?

Is self-employed business insurance relevant for me if I work from home?

Can I get self-employed car insurance if I drive abroad for work?

How long does it take to get a self-employed car insurance quote?

Does my trade or profession affect my car insurance price?

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