Are you insured when you use your personal vehicle for work?

Verified 18 May 2020 - Directorate for Legal and Administrative Information (Prime Minister)

No, your car, motorcycle or bicycle insurance does not automatically cover you in case of professional use of your means of locomotion. You must take out a specific guarantee for this purpose. We have to distinguish between business travel and commuting.

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Travel from home to work

Traveling to work with your car, motorcycle or bicycle is not a professional use of the vehicle. However, you must check whether your insurance contract unconditionally authorizes the use of your vehicle to make the journeys from home to work. If not, you need to purchase a special guarantee from your insurer to cover your costs.

FYI  

bicycle liability insurance is not mandatory, unlike car and motorcycle insurance.

Business travel

Using your car, motorcycle or bicycle during your working time to make journeys on behalf of your employer is a professional use of the vehicle.

If your contract does not provide coverage for professional use, you must inform your insurer and obtain their agreement before making this type of trip. Otherwise, in the event of an accident, your insurance may refuse to compensate you, in whole or in part.

The risk of using your personal vehicle for business travel may be covered at your own initiative or at the employer's initiative.

  • You can ask your insurer to subscribe to an extension of warranty use of the vehicle for professional use. If the insurer agrees, you will be covered by your civil liability in case of material and/or personal damage caused to a third party. All the guarantees of your contract will then be applicable during the professional use of your vehicle. The insurer will charge you a premium increase and you can ask your employer to pay it. If your insurer refuses the extended warranty, you should avoid using your vehicle for business travel and inform your employer.
  • Your employer can take out a mission insurance contract to cover employees using their personal vehicle for business travel. In this case, you will also be covered by your civil liability in case of material and/or personal damage caused to a third party.

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