Can I Drive a Company Car Without My Own Insurance

Business Car Insurance

As an insurance brokerage, one of the most common questions we get asked is whether someone can drive a company car without having their own personal insurance. Will they be fully covered if they get in an accident driving their company car? The short answer is that it depends on the company’s policy. 

Many companies that provide their employees with company cars also provide insurance for those vehicles. In these cases, the employee would typically be covered under the company’s insurance policy while driving the company car for work-related purposes. 

However, some companies may require their employees to have their own insurance coverage in addition to the company’s insurance policy. In these cases, the employee would need to provide proof of their own insurance coverage before being allowed to drive the company car. 

If you are provided a company car from your employer, they should be able to tell you what is covered and what is not covered and if you need to purchase any additional insurance coverage.

Driving Your Own Vehicle For Business Use

Many times an employer will not provide you a car but will require you to use your own vehicle for business related activities. If this is the case, you need to talk with your insurance broker and let them know that from time to time, you will be using your vehicle for work related purposes.

Most every personal auto insurance policy has an endorsement that can be added to your policy that gives you coverage for business related activities. It’s important to add this coverage to ensure you are covered should you be in an accident while driving for work or business.

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If you have any questions as to whether or not you’re covered, we recommend contacting an insurance broker and showing them your employers policy (the HR department should be able to supply this) and asking them to make sure you’re properly covered with no gaps in coverage.  

It’s important to note that if you’re driving a company car for personal reasons, such as running errands on the weekend, you may not be covered under the company’s insurance policy. In these cases, you would need to have your own insurance coverage to be protected while driving the company car. 

In summary, whether or not you can drive a company car without your own insurance coverage depends on the policy of the company you work for. If you’re unsure about the specifics of your company’s policy, it’s important to check with your employer or HR department to clarify the details. 

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