Commercial Vehicle Insurance
What is Commercial Vehicle Insurance?
Commercial vehicle insurance is designed to cover against theft, damage and third-party liability. Our team of experts will source bespoke policies, which allow you the customer to tailor coverage to suit their business and the types of vehicle they use, to ensure that they have complete peace of mind.
Whether they 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 all businesses.
What does commercial vehicle insurance cover?
Standard commercial vehicle insurance policies can provide cover should your vehicle be stolen, damaged, or suffer a fire. Passenger and public liability insurance can also be included 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. Our agents will discuss all of these additional benefits with you.
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 44 ton 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. Our agents can guide you through this complicated process.
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?
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.
Courier Insurance - Courier insurance aims to protect you as a courier, as well as your van and its cargo. Couriers often transport valuable packages for their clients, and tend to spend significantly more time on the road than your average driver. This means that they’re exposed to more risks, which standard insurance policies may not cover. Designed specifically for the unique risks couriers are exposed to, this kind of policy could cover you if your cargo is lost, stolen or damaged in transit. Courier van insurance is usually better suited to drivers who use their van for hire and reward – where you transport other people’s goods in exchange for money.
Courier Fleet Insurance - You deliver all kinds of valuable consignments far and wide using a fleet of vans. That means you don’t just need cheap courier fleet insurance, you need the right courier fleet cover to protect your business from the many risks your people and your vehicles run every day. And you need value for money with affordable premiums, plus knowledgeable advice on demand. We offer bespoke courier fleet insurance policies with a range of additional benefits. These include discounts for vehicles fitted with approved telematics devices, plus discounts on supplying and fitting the equipment via our partner companies. Our courier fleet insurance can cover fleets of all sizes, from five vehicles up to any number you like, either all of one vehicle type or mixed. And because we know things can change suddenly in this business, we give you the power to go online and instantly change the vehicles covered by your policy. Not sure whether your vehicles qualify as a courier fleet? No problem. If you own any type of vehicle fleet, we have a policy to suit your needs. Our range of cover includes cover for commercial vehicle fleets, a unique self-drive hire policy administration system, and cover for credit hire vehicles.
Goods in Transit Insurance - If you use your van for haulage, then a ‘Goods in Transit Insurance’ might work out better for you. It is particularly useful for couriers and those in the haulage industry, and can provide the peace of mind that comes with knowing that should your or your customer's materials, goods or cargo be lost, stolen or damaged in transit, you could have help recovering the cost.
Taxi Insurance - As a taxi driver, your vehicle is the key to your ability to do your job and earn a living. We'll compare cover from a range of specialist policies designed to meet the needs of most types of taxi and driver. Insurance products to cover public hire, private hire and mini bus taxis are available. Not all insurers will cover both private and public hire taxis, so it’s important that you find the right policy for your needs.
Taxi Fleet Insurance - Whether you've got 200 cars in your taxi fleet or just a couple, we know you want insurance that suits your individual needs. We'll help to find you the lowest quote we get back from a panel of taxi insurers, saving you the time and effort.
Commercial Van Insurance - Whatever your line of business – from electricians to plumbers, florists to builders – if you drive a van, you’ll need to properly insure it. If your vehicle is substantially damaged or stolen, your livelihood could well be at risk without commercial van insurance. We can offer advice on all of your van insurance needs, not only covering you to drive your van for business, but also offering insurance cover for goods in transit, too.
Owning and operating a van on it’s own comes with its own challenges. Often as the only means of operation for your business – keeping yourself on the road and working is essential. We have access to a wide range of insurance companies, so we can search our panel to offer you a range of quotations for policies that best suit your needs. You’re in safe hands with one of the most respected and well-established insurance brokers in the UK.
Commercial Fleet Insurance - It’s a legal requirement to insure your vehicle. This can be a nightmare if you’re a business owner with multiple vehicles. Fleet insurance covers a fleet of vehicles. These can be registered in the name of a company, a partner or director of the company, allowing one policy to cover your whole business. The amount of vehicles that insurers class as a fleet varies between companies. But most will set out a minimum and maximum.
Generally the minimum amount is two, although only specialists tend to cover this amount. The maximum can be in the thousands. A variety of business uses are covered, including haulage, private hire, courier and other transportation purposes. Occasionally vehicles like motorbikes, forklift trucks and excavators can be excluded.