Commercial Vehicle Insurance

Tailored commercial vehicle insurance for your taxi, coach, truck, minibus and more, designed to suit your business needs and help keep your organisation on the road. We can provide insurance for a wide range of vehicle types and uses. Fleet cover is also available if you require insurance for a number of vehicles.

0344 892 1434

Mon-Fri 8.45am-5.15pm

Commercial Vehicle Insurance FAQs

Question

What is commercial vehicle insurance?

Answer

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.

Question

What does commercial vehicle insurance cover?

Answer

Commercial vehicle insurance is usually arranged on a ‘comprehensive’ basis to protect against liability to third parties and loss or damage to your vehicle.

Question

What type of commercial vehicle insurance do I need?

Answer

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.

Question

How much does commercial vehicle insurance cost?

Answer

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.

Question

What are common commercial vehicle insurance policy exclusions?

Answer

The full list of exclusions will be set 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

Question

What is the difference between fleet and mini fleet policies?

Answer

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.

Question

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

Answer

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.

Question

How can I pay?

Answer

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.

Question

Can I pay in instalments?

Answer

To help you spread the cost of your premiums, we offer a quick and easy direct debit scheme for spreading payment over ten months. Please visit our dedicated Direct Debit page to find out more.

Question

Where can I find more information about monthly Direct Debit?

Answer

If you would like to know more about our monthly payment option, please visit our dedicated Direct Debit page.