Why is business car insurance so expensive?
Business car insurance is often more expensive than standard insurance because insurance providers think you're at higher risk of having an accident and making a claim. You may be driving at busy times on unfamiliar roads, and chances are you're spending more hours on the road than the average driver.
Business car insurance will likely cost you more, but if you don't have the right class of insurance, your insurance provider could refuse to pay out if you make a claim.
It should be said that, should you make a claim, insurance providers are likely to pay out. According to the Association of British Insurers, 99% of all motor claims are paid, with insurance providers paying out £21.2 million every day.