Commercial cover
Commercial motor & fleet
Vans, HGVs, cars and mixed fleets, including goods in transit and cover for drivers you employ.
Who it is for
Tradespeople with vans, haulage and courier firms, and any business running two or more vehicles.
Commercial vehicle premiums depend heavily on your claims history and your drivers. A good broker helps with both. We help you present your risk properly, and we can suggest telematics and driver-risk measures that insurers reward.
For international hauliers we arrange CMR cover. This follows the international convention that limits a carrier’s liability by the weight of the goods.
Usually covered
- Third party, fire and theft, or comprehensive cover
- Any-driver or named-driver options for employees
- Goods in transit and CMR liability for international haulage
- Breakdown, courtesy vehicles and legal expenses (optional)
- Fleet policies with one renewal for the whole fleet
Usually not covered, or needs adding
- Tools left in vans overnight, unless specifically covered and conditions met
- Drivers outside the age or licence limits on your policy
- Goods carried outside the declared type or value
- Use not declared, such as hire and reward on a social use policy
Policies differ between insurers. We will show you the actual wording, limits and excesses before you decide.
Questions
Common questions
When does a fleet policy make sense?
Usually from two or three vehicles. It puts every vehicle on one policy and makes adding and removing vehicles simpler.
Are my tools covered in the van?
Only if tools cover has been added, and usually only if the van is locked and the tools are out of sight. Many policies exclude theft overnight unless the van is garaged.
Talk it through with someone who knows your trade
Call, book a callback at a time that suits you, or send us the basics online. A named broker comes back to you within one working day.