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Commercial Vehicle Insurance: Keeping Your Business Going

If you own or use a vehicle for your business activities – be it a car, truck, taxi or even a forklift - then commercial vehicle insurance is for you. Unlike standard motor cover, a commercial policy offers protection that’s tailored to the needs of business owners. It provides higher levels of cover and options to protect everything from your tools, travelling to multiple business locations and even your income if you lose money while your vehicle is off the road.

Commercial Vehicle Insurance Coversure

Through our extensive network of relationships with leading insurers, Coversure can offer you a wide range of options and great value CV insurance quotes on vehicles including:

  • Vans
  • Taxis
  • Trucks and lorries
  • Minibuses
  • Diggers
  • Forklifts and other special types vehicles

From single vehicles to mixed fleets, we can provide you with the protection you need to keep your business going.

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What Can Commercial Vehicle Insurance Cover?

A CV policy is a powerful, flexible cover that offers businesses with vehicles great peace of mind for a modest premium. Fact is, if you use a vehicle for paid work you need to have the hire and reward cover that a commercial vehicle policy gives. It’s the law.

Then choosing your CV policy - irrespective of the size and shape of your company and whether you are a sole trader, a tradesman or a larger company with several registered company vehicles - you’ll want your policy to include:

  • Vehicle protection – obviously this is the main area of cover you’ll want for your vehicle and it will make it road-legal and protected. In this respect, commercial vehicle insurance works much like your standard motor policy. Depending on the level of cover you take out – third-party, third-party fire and theft or comprehensive - you’ll be protected against your vehicles being written-off, damaged or stolen. The added advantage of commercial vehicle insurance is that it also allows you to remain insured when you’re travelling to multiple places of work
  • Tools cover – this is particularly important if you’re a tradesman, but it is applicable to anyone that transports the tools of their trade. Whether you have power tools, hairdressing kit, cleaning equipment, chainsaws or ladders on board, they’ll be covered if they are damaged or stolen. Given these are the tools of your trade and you may be unable to work without them, this is an option you’ll want to have in place on your CV policy
  • Uninsured loss recovery – with Coversure every commercial vehicle policy comes with uninsured loss recovery cover as standard. This brilliant feature means that if you’re unfortunate enough to be in a non-fault accident with an uninsured driver you’ll be insured against losses. The cover doesn’t just protect you for your vehicle repair costs, but also for loss of earnings, excesses and other out of pocket expenses. With over 1 million uninsured drivers on the UK’s roads, this could save you from potentially footing a large bill through no fault of your own
  • Passenger protection – in the course of your work you may well have carry to carry passengers in your vehicle – a colleague, employee or, in the case of private or public hire vehicles, paying customers. Some commercial motor policies won’t cover you for carrying passengers, so if you regularly provide lifts to co-workers or customers then you’ll need passenger cover to ensure that your policy will still protect you in the event of an incident
  • Breakdown and recovery – one of the biggest issues with any vehicle is that it could breakdown, leaving you stranded, unable to work and facing a recovery bill. This is why it pays to know that in the event of a problem that you have breakdown and recovery cover as part of your CV insurance. With it you can get back to work and back to earning a living more quickly

Which Vehicles can Commercial Vehicle Insurance Cover?

A commercial vehicle policy can protect much more than your usual white van or flatbed truck, the policies we can offer provide protection for include:

  • Vans up to 3.5 tonnes
  • Large commercial vehicles over 3.5 tonnes
  • Multi-van and fleets
  • Heavy good vehicles such as trucks, low-loaders and other HGVS
  • Cars used in connection with a business – be they company cars for employees, pool cars, support cars or fleet cars
  • Vehicles carrying goods – this covers everything from couriers, hauliers and others who take payment to move goods around, to company delivery vans for carriage of own goods and those going to customers. It’s worth noting that this type of policy will only cover the vehicle and not the goods you have on board. For that you’ll need a goods in transit insurance policy
  • Goods-carrying vehicles - the term used to describe all the different types of vehicles that are designed to carry goods. They are classified by insurers for risk assessment purposes either by their carrying capacity or their plated weight. The goods carried are not covered by the motor policy, cover instead being provided under a separate goods in transit insurance scheme
  • Passenger-carrying vehicles - including minibuses, coaches, MPVs and buses
  • For hire vehicles – broadly speaking this includes any vehicle that accepts payment for being hired, either by a member of the public or a company. These can be broken down into:
    • Private hire vehicles - such as pre-booked taxis and lifestyle couriers
    • Public hire – such as black cabs and other taxis which can be hired on the streets or at recognised taxi stands
    • Self-drive hire - so rental vans or trucks for example
    • Agricultural and forestry vehicles - such as tractors, combine harvesters, threshing and baling machines
    • Special types - this is a wide-ranging group that includes everything from cherry pickers, mobile cranes, ambulances, mobile shops, steamrollers and fork-lift trucks

So, as you can see; if you have a vehicle that you use as part of your business, then it can be insured on a commercial vehicle policy. Coversure’s CV policies can even provide protection for specialist requirements such as modified commercial vehicles.

Why Choose Coversure? Over 97% Customer Satisfaction Score

With over 90 offices across the UK, great value protection is never too far away. With Coversure you get an award-winning combination of high-quality covers, supplied by some of the UK's largest insurers, and dedicated customer service supplied by a local, independent broker. With privileged access to insurers such as Aviva, Covea, RSA, with Coversure you can get the best from the best at a competitive premium. Little wonder then that over 97%* of our customers are either very satisfied or satisfied with our service.

*Ratings based on Coversure's 2016 Customer Survey.

Like Some More Help?

Coversure's offices have years of experience in providing great value CV insurance. So why not get in touch with your local Coversure office today. They will be more than happy to assist you with finding the cover you need for an affordable premium.

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