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Whitepaper · Visa and CarCloud · 2026

Beyond the Company Car: Exploring the Changing Shape of Business Mobility.

What happens to cost, compliance and payments when most business journeys are made in employees’ own vehicles. Independent research by Visa and CarCloud into how UK organisations actually move.

Three findings

3 in 4 employees who drive for work use their own vehicle

1 in 3 of them are not insured correctly for business use

2.9 million UK drivers have driven without a valid MOT

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© 2026 CarCloud Solutions Limited. Registered in England and Wales, company number 16029395. Registered office: Grosvenor House, 11 St Pauls Square, Birmingham B3 1RB. VAT number 519 0300 26. ICO registration ZB928332. CarCloud Solutions Limited (FRN 1055210) is an Appointed Representative of ComplianceTrak Limited, which is authorised and regulated by the Financial Conduct Authority (FRN 914597).