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

Verified 04 September 2023 - Directorate for Legal and Administrative Information (Prime Minister)

No, your insurance car, motorcycle, bicycle or electric scooter doesn't cover you not automatically in case of professional use of your means of transport.

You must subscribe to a specific guarantee to be covered in case of use of your personal vehicle for business travel.

We have to do the difference between commuting and business travel.

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Travel from home to work

Traveling to work with your car, motorcycle, bicycle or electric scooter is not a professional use of the vehicle.

But you need to check whether your insurance policy unconditionally allows the use of your vehicle to make these journeys.

Sometimes insurers charge extra if you have to use your vehicle for daily commuting.

If your contract does not authorize the use of your vehicle to make the journeys from home to work, you must ask your insurer for a agreeable which specifies the conditions under which you may be covered for these trips.

FYI  

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

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 take out business travel insurance

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 the event of damage to property and/or property caused to a third party during business travel.

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 cover the extra cost.

If your insurer refuses the extended warranty, you should avoid using your vehicle for business travel and inform your employer.

Your employer takes out business travel insurance

Your employer can take out a mission insurance contract to cover employees using their personal vehicle for business travel.

In this case, your civil liability will also be covered by this contract in case of material and/or personal damage caused to a third party during business trips.

Your employer will pay for this insurance himself.

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