Commercial vehicle insurance is designed to cover against theft, damage and third-party liability. Our bespoke policies allow you to tailor coverage to suit your business and the types of vehicle you use, to ensure that you have complete peace of mind.
Whether you operate vans, have a variety of vehicles, run HGVs for haulage work, or specialise in ‘heavies’ pulling loads of 150t and more, we can find commercial vehicle insurance to suit you.
Commercial vehicle insurance is usually arranged on a ‘comprehensive’ basis to protect against liability to third parties and loss or damage to your vehicle.
Specialist commercial vehicle insurance policies can provide cover should your vehicle be stolen, damaged, or suffer a fire. They can also include passenger and public liability insurance to keep you and your passengers safe. It is possible to add a number of extras to your policy to give you the protection you need, depending on the nature of your vehicle or business.
As a business you need to insure your vehicles, but finding the right policy is not always straightforward. Sometimes the answer appears relatively clear: for example, an owner-driver running a 44t vehicle for haulage purposes needs haulage vehicle insurance. However, even if you know the type of commercial vehicle cover you need, you need to make sure your policy meets the nature and breadth of your business activities exactly.
Furthermore, for certain other business-related activities the type of insurance needed can be less clear. For example, if you wish to use your own private car for commercial travelling or part-time courier work, it will need commercial vehicle cover.
It’s vital to buy cover that meets your needs, not the needs of the majority. That’s why the services of a specialist commercial vehicle broker can prove particularly valuable. If you are unsure what type of cover you need, call our team of expert commercial vehicle insurance advisers and we can talk you through the details so you can make an informed decision.
Our commercial vehicle insurance policies can cover a wide variety of risks, making it difficult to give an average cost. However, to help obtain our best price for your needs, we will take the time to find out about you, your business and your vehicle types. Then we’ll provide a bespoke quote to suit you, depending on how, where and for what purpose you use your vehicles, the type and size of your vehicles, your business profile and driving history.
Specialist commercial vehicle insurance policies can cover a wide variety of risks, making it difficult to give an average cost. The cost depends on how, where and for what purpose you use your vehicles, the type and size of your vehicles, your business profile and driving history. So whether you need cover for a truck, party bus, mobile shop, cherry picker, crane, or any other specialised vehicle, you should be able to purchase insurance that is tailored to your needs.
The full list of exclusions will be set out in your policy documents, but there are a few common exclusions worth noting, including:
Fleet insurance is usually designed for those with five vehicles or more and policies can be drawn up to cover a mixture of different vehicles, from trucks to cars. Mini fleet insurance works in much the same way, but is usually designed to cover those with between one and four vehicles. Our specialist commercial vehicle insurance advisers will help you choose the right policy.
Our truck insurance can cater for vehicles up to 44t. Even if you’re driving a 16L, 750hp tractor unit pulling 150t, we can provide cover.
You can pay in full or by direct debit. Payment in full can be via BACS transfer or debit or credit card. All major cards are accepted except American Express.
It is important to carefully consider specialist commercial vehicle insurance policies before buying, as they will include a number of exclusions. These will vary depending on the vehicle, but in general the policies will not cover:
As with all insurance, please check your policy documents or talk to your adviser for full details of what is included and excluded from your cover.
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