Insure a company car that's shared across your team with one flexible, any-driver policy built around how you actually use it.
Insure a company car that's shared across your team with one flexible, any-driver policy built around how you actually use it.
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Shared by any employeeNo named driversKept at business premises
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Pool car insurance covers a company-owned car that's shared between employees, rather than assigned to one named driver. It allows any authorised employee to drive the vehicle for business purposes under a single policy.
Many businesses get this wrong by simply adding extra names to a standard car policy instead of arranging genuine any-driver, business-owned cover, which can leave gaps if the wrong person is behind the wheel.
Getting the right pool car policy depends on:
How many employees drive itWhether it needs to meet HMRC's pool car rulesWhether there's a single main driverHow many pool vehicles you runWhere the car is kept overnightWhether private use is ever allowed
For tax purposes, HMRC treats a vehicle as a genuine pool car only if it meets specific conditions. Getting this right protects both your tax position and your insurance accuracy:
Here’s what matters most, and the questions worth asking before you arrange cover.
Here’s what matters most, and the questions worth asking before you arrange cover.
Any-Driver Access
Genuinely open access where any authorised employee meeting the insurer’s criteria can drive.
Named Driver Group
Cover for a defined list of employees who share one vehicle, rather than fully open access.
Multiple Pool Vehicles
Options for businesses running two or three shared cars under coordinated cover.
Mixed Pool Fleets
For businesses whose pool includes more than one vehicle type, such as cars and vans.
Charities & Public Sector
Options for non-commercial and public sector organisations running shared transport.
Growing Businesses
Cover that can be reviewed as your shared-vehicle needs change and grow.
Which pool car insurance option suits you?
Which pool car insurance option suits you?
Pool cars aren't classified the same way as personal business-use cars, the key variable is how many people drive it, not a use “class.” Always confirm exact definitions with your insurer.
Pool cars aren't classified the same way as personal business-use cars, the key variable is how many people drive it, not a use “class.” Always confirm exact definitions with your insurer.
Any-Driver Pool Cover
Best for teams where access genuinely rotates and there's no practical way to name every driver in advance.
May suit you ifDifferent staff use the car depending on the day
Named Driver Group
Cover for a defined, smaller list of employees who share one vehicle.
May suit you ifThe same handful of people share the car
Multiple Pool Vehicles
For businesses running two or three shared cars before a full fleet policy makes sense.
May suit you ifYou have two or three shared vehicles
Mixed Pool Fleet
For businesses whose shared vehicles include more than one type, such as cars and vans.
May suit you ifYour pool includes cars and vans together
Not sure which option applies?
Tell us how many people need access and how the car is used, our advisers can help you pick the right structure.
Choose cover based on how your team works
Choose cover based on how your team works
Here’s what matters most, and the questions worth asking before you arrange cover.
Here’s what matters most, and the questions worth asking before you arrange cover.
Multi-Site Businesses
Getting staff between sitesOccasional shared journeysCharities & Non-Profits
Shared transport for staffOccasional volunteer use
Care & Healthcare Providers
Getting staff to patientsAppointments across sites
Construction & Site Teams
Site visitsDeliveries between jobs
Public Sector & Education
Shared transport across a siteAuthority or school use
Growing Small Businesses
A first shared vehicleBefore a dedicated fleetTrusted by businesses sharing vehicles across the UK
Trusted by businesses sharing vehicles across the UK
From single shared cars to growing pool fleets, our customers trust Insurance Revolution to get the right cover and expert support when it matters.
From single shared cars to growing pool fleets, our customers trust Insurance Revolution to get the right cover and expert support when it matters.
Optional extras for added protection
Optional extras for added protection
Here’s what matters most, and the questions worth asking before you arrange cover.
Here’s what matters most, and the questions worth asking before you arrange cover.
Roadside repair, recovery and onward-travel support if your pool car breaks down, subject to the level of cover chosen.
How the quote process works
How the quote process works
Simple steps. Expert advice. The right cover for your business.
Simple steps. Expert advice. The right cover for your business.
Tell us what you need
Tell us how many people share the car, how it's used and where it's kept overnight.
Talk to an expert
We'll talk through your driver structure and confirm the right level of cover.
Compare your options
We'll explore suitable any-driver and named-group options from our insurer panel.
Get covered
Once you're happy, we finalise your policy and send documents so your team is covered right away.
UK-based specialist advisersAccess to specialist insurersNo obligation, just expert helpPool car & shared vehicle insights
Pool car & shared vehicle insights
Practical guidance for businesses, directors and employees using company-owned or company-provided vehicles.
Practical guidance for businesses, directors and employees using company-owned or company-provided vehicles.
Six Benefits of Investing In a Pool Car For Your Business
Keeping costs down is a key consideration of any business owner and replacing a fleet of company cars with one singular pool car can be a great way to do it. As such, Insurance Revolution has put together this useful summary of the benefits of investing in a pool car for your business.
Managing Shared Business Vehicles: A Practical Guide
Shared business vehicles can give employees a flexible way to travel for work. They can also help a business avoid giving every employee their own company car. However, sharing vehicles creates extra responsibilities. Businesses need to know who can drive each vehicle, how employees can use them and whether their insurance still matches their needs
Pool Car vs Fleet Insurance: Which Is Right for Your Business?
A pool car policy can suit a business that shares one or a small number of vehicles between employees. Fleet insurance can make sense when a business operates several vehicles and wants to manage them under one policy.
Any Driver Pool Car Insurance: What Businesses Need to Know
If several employees share a company vehicle, adding every driver to a policy can become difficult to manage. Any driver pool car insurance offers businesses a more flexible option by allowing eligible employees to drive an insured vehicle without naming each person individually.
HMRC Pool Car Rules Explained: A Guide for UK Businesses
Shared company vehicles can help businesses manage travel costs and support employees who need to visit customers or other work sites. However, businesses must understand HMRC’s pool car rules before assuming that a vehicle qualifies for tax-free use.
Company Car vs Pool Car: What’s the Difference?
For businesses that need employees to travel for work, providing access to a vehicle can make day-to-day operations much easier. But should you give an employee their own company car, or would a pool car work better?
Pool Car Insurance Explained: What Businesses Need to Know
A pool car can help your business manage travel costs and give employees access to a vehicle when they need one. However, every pool car needs the right insurance cover before an employee drives it for work.
Frequently Asked Questions
Frequently Asked Questions
Find quick answers to common questions about pool car insurance, HMRC pool car rules, any-driver cover and shared company vehicles.
Find quick answers to common questions about pool car insurance, HMRC pool car rules, any-driver cover and shared company vehicles.
Pool car insurance covers a company-owned vehicle shared between employees, allowing any authorised driver to use it for business purposes under one policy, rather than naming every driver individually.
Still have questions?
Our advisers are here to help you find the right solution.
