Commercial Vehicle Insurance

Tailored commercial vehicle insurance for your taxi, coach, truck, minibus and more. Our cover will help keep your business on the road.

  • Tailored commercial vehicle insurance policies to suit your business needs
  • Cover for a wide range of vehicle types and uses
  • Fleet cover available if you require insurance for a number of vehicles

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01952 298615

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What is commercial vehicle insurance?

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 only operate cars or 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.

What does commercial vehicle insurance cover?

Our standard commercial vehicle insurance policies can provide cover should your vehicle be stolen, damaged, or suffer a fire. We 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 and greater peace of mind.

Commercial Vehicle Insurance Articles & Guides

Read our commercial vehicle guides and articles.

Taxi Insurance Guide 1

insurance guide

Taxi Insurance Guide

Read about the most common taxi insurance features and exclusions in our product guide, and find out whether you need to take out a policy.

Fleet Insurance

article

Using Camera Systems to Reduce Your Fleet Insurance Costs

Cutting the frequency and severity of claims can help reduce your truck insurance and fleet insurance premiums. Read our guide to installing camera systems for your vehicles, which can help achieve this by encouraging your drivers to be more careful and providing clear evidence when incidents occur.

Occupational Road Safety

article

Reduce the Risk: Occupational Road Safety for Your Vehicles

Placing occupational road safety at the heart of the business is crucial for vehicle firms. Learn how to create the right occupational road safety culture to ensure your fleet stays on the road, and reduce your transport insurance costs.

What type of commercial vehicle insurance do I need?

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.

How much does commercial vehicle insurance cost?

Our commercial vehicle insurance policies can cover a wide variety of risks, making it difficult to give an average cost. However, to help obtain the 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.

Common commercial vehicle insurance policy exclusions

The full list of exclusions will be laid out in your policy documents but there are a few common exclusions worth noting, including:

  • Theft (if keys are left in the vehicle)
  • Deliberate acts of negligence or recklessness
  • Wear and tear

What is the difference between fleet and mini fleet policies?

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.

Is there a maximum size of commercial vehicle you can insure?

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.

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