Chauffeurplan, from Longford Insurance schemes, allows business drivers to pay for an alternative vehicle and even acquire a chauffeur if their vehicle is off the road following an accident, theft or vandalism or even through the driver's disqualification.
John Bull, director of Longford Insurance Schemes, said: 'A salesperson could lose vital commission if he or she was unable to drive. Even a 10 mile journey to work could set you back £500 a month in taxi fares, or £6,000 a year.'
The firm says mobility insurance is the answer, with premiums starting at £6.50 and policy benefits offering up to £300 a week for travel costs if the driver is injured or banned through speeding or the totting up rule. However, the firm points out it does not cover drivers banned as a result of drink or drug driving, or offences covering dangerous, careless, inconsiderate or reckless driving.
Bull added: 'High mileage motorists, particularly those who drive on business, face an increasing risk of fines and points on their licence due to the ever present number of speed cameras and traffic patrols. We certainly do not condone speeding, but on today's fast roads and with our hectic schedules, even careful drivers are finding that it is all too easy to accidentally exceed the speed limit.'