Business use car insurance comes in three classes, depending on the level of cover you need. These are:
Business car insurance class 1 covers your car if you drive between multiple work locations or visit clients or customers. It’s usually the cheapest class of business car insurance.
Business car insurance class 2 provides the same coverage as class 1 but allows you to add a co-worker as a named driver, so they’ll also be insured to drive the car. It’s likely to be slightly more expensive than class 1.
Business car insurance class 3 covers long-distance driving as part of your business use and is the most expensive type of business car insurance.