Domiciliary Care Vehicle Insurance for Carers, Support Workers & Community Care Teams

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Specialist business-use insurance for carers driving between service users’ homes, including fleets, single vehicles, mileage-based cover & volunteer drivers.

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We work with leading UK motor & care-sector insurers

INSURANCE DESIGNED FOR CARERS WHO DRIVE FOR WORK

  • BUSINESS USE COVER

  • CARER & CLIENT SAFETY

  • FLEET & MULTI-VEHICLE OPTIONS

  • REGULATORY COMPLIANCE

Why Domiciliary Care Vehicle Insurance Matters

Carers travel constantly between service users’ homes, sometimes visit multiple locations per day, carry equipment and work in time-sensitive environments. Standard social, domestic & pleasure insurance (SDP) normally does not cover business use for care work, meaning carers may be uninsured when driving for work. Our specialist vehicle insurance ensures your team is legally covered and compliant with CQC, local authority & contractual requirements.

Key Domiciliary Care Vehicle Insurance Cover

Designed specifically for home care providers with mobile staff.

  • Business Use Class 1/2/3 for carers driving between service users.
  • Carer Travel Cover – for visiting multiple service users per day.
  • Fully Comprehensive or Third-Party Fire & Theft options.
  • Fleet Insurance – for 3+ vehicles owned or leased by your agency.
  • Enhanced cover for carrying equipment & care supplies.
  • Hire & Reward options (where required).
  • Courtesy car after an accident (optional).
  • Breakdown cover add-ons for carers working late or rural routes.
  • Named drivers, any driver or pool vehicle setups.
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Common Vehicle Risks for Domiciliary Care Providers

  • Carers driving under time pressure between back-to-back visits.
  • High mileage increasing wear and accident exposure.
  • Parking damage outside service users’ homes.
  • Accidents during night visits or in poor weather.
  • Carrying care equipment or medications.
  • Staff using personal vehicles without proper business-use cover.
  • Multiple drivers sharing pool vehicles.
  • Breakdowns impacting scheduled care visits.
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Why Choose Insure24 for Domiciliary Care Vehicle Insurance?

  • We specialise in insurance for the care sector & mobile care teams.
  • Access to insurers who understand care mileage & multi-stop routes.
  • Fleet and multi-car solutions for growing care providers.
  • Risk management support for lone workers & night-time travel.
  • Flexible cover for volunteers, bank staff & mixed staffing models.
  • Help aligning insurance with CQC and commissioner expectations.
  • Support with claims, accidents & driver safety policies.
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How to Arrange Domiciliary Care Vehicle Insurance

  • 1. Tell us how many carers or staff use vehicles for work.
  • 2. Confirm if staff use personal vehicles or company-owned vehicles.
  • 3. Provide typical mileage, routes & daily visit patterns.
  • 4. We compare insurers who support community care vehicle use.
  • 5. You choose a policy that fits your care model & compliance needs.
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Domiciliary Care Vehicle Insurance for All Types of Providers

Suitable whether your team uses personal cars, pool cars or a managed fleet.

Domiciliary Care Agencies

  • High daily mileage & multi-location visits.
  • Optional fleet or individual driver-based cover.
  • Enhanced breakdown & courtesy car options.

Supported Living Providers

  • Staff travel between properties or outreach visits.
  • Cover aligned with positive behaviour support (PBS) needs.
  • Options for transporting equipment & supplies.

Charities & Community Organisations

  • Cover for volunteers driving their own vehicles.
  • Flexible structures for sessional or outreach work.
  • Options to include passenger liability (where required).

Specialist Care Providers

  • Transporting equipment for complex care.
  • Higher coverage limits for clinical supplies.
  • Mixed staffing models supported.
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Our carers drive all day visiting clients. Insure24 arranged business-use vehicle cover that finally matched how we operate - and it satisfied our local authority contract too.

Laura P., Registered Manager – Home Care Agency

FREQUENTLY ASKED QUESTIONS

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Do carers need business-use insurance for driving between visits?

Yes. Standard social, domestic & pleasure insurance does not usually cover domiciliary care work. Carers must have business-use cover to be insured while driving for work.

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Can I cover a fleet of care vehicles?

Yes - fleet policies are available for agencies with 3+ vehicles, whether owned, leased or mixed.

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Can volunteers driving their own cars be covered?

Yes - many insurers allow volunteers to be added under business-use extensions or charitable fleet arrangements.

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Is this cover required by CQC?

While the CQC does not mandate specific motor insurance, providers must ensure staff are “fit and safe” for work - this includes being properly insured for business use. It is also required by many local authority and NHS contracts.

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Can I pay monthly?

Yes - monthly payments are normally available via premium finance (subject to status).

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