Is car insurance more expensive when using for business?

In most cases, yes. Car insurance is typically more expensive when using it for business purposes. This is because business use involves greater risks, such as increased mileage, more frequent trips, and the transportation of goods or passengers. As a result, insurance companies charge higher premiums to cover these additional risks.

The amount of the increase in car insurance premiums for business use can vary depending on the insurance company, the type of business, and the specific details of the policy. For example, a business that uses its vehicles for deliveries may pay a higher premium than a business that uses its vehicles for office work. Similarly, a business that operates in a high-traffic area may pay a higher premium than a business that operates in a rural area.

If you are planning to use your car for business purposes, it is important to inform your insurance company so that they can adjust your policy accordingly. Failure to do so could result in your insurance company denying your claim if you are involved in an accident while using your car for business purposes.