Whitepaper · Visa and CarCloud · May 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. Research by Visa and CarCloud into how UK organisations actually move, and what it is costing them.
What the research found
Three findings, one conclusion.
3 in 4
employees who drive for work use their own vehicle.
Visa / CarCloud whitepaper, 2026
1 in 3
of them are not insured correctly for business use.
Visa / CarCloud whitepaper, 2026
2.9m
UK drivers have at some point been driving without a valid MOT.
Visa / CarCloud whitepaper, 2026
The company car is no longer the default
Most work journeys now happen in a vehicle the employer does not own, has never seen, and rarely has on any system.
The liability did not move with it
An employer’s duty of care applies to an employee’s own car exactly as it does to a company one. A third of those cars are not insured for the journey.
Cost, compliance and payments are one problem
Mileage claims, fuel, cover and roadworthiness are managed in separate systems, or not at all. Connecting them is what makes grey fleet visible.
Why it matters
Compliance, cost and payments in a single connected platform.
The paper identifies four dynamics reshaping business mobility: rising compliance risk, operational complexity, gaps in ESG reporting, and a shift in employee expectations. Its answer is a connected model that treats every vehicle used for work as part of one ecosystem, company-owned or employee-owned, with the same standards applied to each: a view of every vehicle in use, scheduled and ad-hoc licence checks, automated alerts, built-in compliance standards and integrated payments data.
Sources cited in the paper: Research Without Barriers, November 2025 (1,678 UK adults who use their car for work); Volkswagen Financial Services, Grey Fleet — managing the hidden risks for employers, 2025; Confused.com, December 2025.
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