Commercial Vehicle Insurance: Keeping Your Business Vehicles On The Road
If you own or use a vehicle for your business activities – be it a van, truck or a car - then commercial vehicle insurance is for you. Unlike standard motor insurance, a commercial policy offers you protection that's tailored to the needs of business owners by offering higher levels of cover and options to cover everything from your tools, travel to multiple business locations and even your income if you lose money while your vehicle is off the road. The range of flexible commercial vehicle (CV) policies we can offer can cover a wide selection of vehicles – taxis to trucks, minibuses to diggers, single cars to an entire mixed fleet. To find out how it can help keep your business running smoothly, get your commercial vehicle quote here.
Get Affordable, Tailored Commercial Vehicle Insurance Through Coversure
If you're after a combination of high-quality CV cover with an affordable premium, then look no further than Coversure. With over 90 offices across the UK, you can receive a friendly, local, independent service from a broker with access to the policies of some of the UK's largest insurers. To get a quote for your commercial vehicles, contact your local Coversure office.
What Can Commercial Vehicle Insurance Cover?
If you're investing in additional protection for your business vehicles, then you'll want to know what you're getting for your money. As a legal requirement, commercial vehicle insurance is a crucial policy if you use a vehicle as part of your business. Regardless of the size and shape of your company – be you a sole trader or a larger company with several registered company vehicles, you'll want your cover to include:
Vehicle protection – obviously, the main aspect of cover you'll want is for your vehicle to be protected. In this aspect, commercial vehicle insurance works much like your standard motor insurance policy. Depending on the level of cover you take out, you'll be protected against your vehicle being written off, damaged or stolen. The added bonus of commercial vehicle insurance is that it allows you to remain insured when you're travelling to multiple places of work or travelling the country to complete your business.
Tools cover – this is obviously particularly important if you're a tradesman, but it is applicable to anyone that transports the tools of their trade within their commercial vehicle. Whether you have power tools, cleaning equipment, chainsaws or ladders on board, they'll be covered if they are damaged or stolen from your vehicle. 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 cover – 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 claiming loss of earnings, excesses and other out of pocket expenses that this claim could cause. With over 1 million uninsured drivers on UK roads, this cover could save you from potentially footing a large bill through no fault of your own.
Passenger cover – in the course of your work you may well have to carry passengers in your vehicle – be that 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, employees or customers then you'll need passenger cover to ensure that your policy will still protect you in the event of a claim.
What Vehicles Can A Commercial Vehicle Policy Cover?
A commercial vehicle policy can protect much more than your usual white van or flatbed truck, the policies can provide protection for:
Vans up to 3.5 tonnes
Large commercial vehicles over 3.5 tonnes
Multi-van and fleets
Cars used in connection with a business – be they company cars for employees, pool cars or fleet cars
Vehicles carrying goods – this would couriers who take payment to move goods around company to company and delivery vans for carriage of own goods going to customers. It's worth noting that this type 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 policy
For hire vehicles – Broadly speaking these include 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 - which include various types of vehicle which are also used as a tool of your trade. This is a wide-ranging group that includes everything from cherry pickers, mobile cranes, ambulances, mobile shops, steamrollers and fork-lift trucks
Would You Like To Add RAC Breakdown Cover?
Our RAC Breakdown Cover gives you complete peace of mind for every day motoring. Whichever cover level you choose, you'll get:
Unlimited call outs, 24/7, 365 days a year
No call out charge
Unlimited roadside labour
Towing to a local garage if necessary
A reliable service – 4 out of 5 vehicles fixed at the roadside
Coversure Insurance Services Ltd is Authorised and Regulated by the Financial Conduct Authority. Ref: 309041
Registered address Coversure House, Vantage Park, Washingley Road, Huntingdon, PE29 6SR.
Registered in England No: 2381990
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