Car Insurance - Business Usage - more expensive?

[JRCT]

Never bothered expensing it, doesn't seem worth the effort really for two quid.

I figured that too. If it was a substantial amount, it'd be quite difficult to do, also, I would think. I presume you'd have to get a quote with and without to enable you to proportion it correctly.

[SueEllen]

Do any of you put that 'extra' through as a business expense, or just suck it up?

Can't expense £0.

[SueEllen]

I've had class 1 business use (or whatever they call it now) for decades, it costs a couple of quid a year. That's all you need unless you're carrying business goods/spares/stock in which case that's some other thing that costs more.

BTW Business class 2 is for your named drivers to have business travel, however you need to confirm with the insurer whether they need to be in the same business as yourself. So for example, if one of you is an IT contractor and the other named driver who uses your car for work reasons works in the health service, you need to get the insurer to confirm you can both use the car for your specific business.

Otherwise may get screwed over if either of you has an accident.