Commercial Vehicle Insurance
Competitive Cover From Your Local Independent Insurance Brokers
Need competitive, high-quality commercial vehicle insurance? Let Trisure compare our markets to find you great value cover. Our friendly team of independent specialists can do the shopping around for you and find you the right cover at the right price. Get your free, no-obligation commercial vehicle insurance quote today or call (01733) 777799.
What is Commercial Vehicle Insurance?
Commercial vehicle insurance covers people who move goods or people for money, so taxi drivers, tradesmen, couriers, etc. This adaptable form of cover can protect:
- Vans
- Taxis
- Trucks and lorries
- Minibuses
- Diggers
- Plant and construction vehicles
Who Needs Commercial Vehicle Insurance?
Commercial vehicle cover is for anyone who drives their vehicle for work or for payment. The following types of drivers can be covered by this type of policy:
- Van owners – who use their vans to get to work – so builders and other tradesmen – and those who do occasional paid work
- Delivery van drivers – who deliver their own goods, or deliver supplies, so a florist, builders merchants, a shop owner doing customer deliveries
- Couriers – including car couriers and part-time lifestyle couriers
- Hauliers – though if you’re driving a vehicle of over 3.5 tonnes, you’ll probably need a truck insurance policy
- Drivers who carry paying passengers – taxi, minibus, coach drivers or chauffeurs
- Plant and construction vehicles owners – everything from cherry pickers, mobile cranes, ambulances, mobile shops, steamrollers, and fork-lift trucks
What Does Commercial Vehicle Insurance Cover?
This is a flexible form of cover and it can cover a wide range of risks, including:
- Your vehicle – this is the main area of cover. Like car insurance, depending on the level of cover you take out – third-party, third-party fire and theft, or fully comprehensive – you’ll be insured against your vehicle 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 is also useful to anyone who travels with the tools of their trade, such as a mobile hairdresser. Whether you have power tools, hairdressing kit, cleaning equipment, chainsaws, or ladders on board, they’ll be covered if damaged, lost, or stolen
- Uninsured loss recovery – this great cover means that if you’re 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 prove a useful cover
- Passenger protection – if you carry passengers for money or drive colleagues to work then you may want passenger insurance cover to ensure you’re covered in the event of an incident
- Breakdown and recovery – if your livelihood is dependent on your vehicle, then having it breakdown isn’t just inconvenient, its potentially costly. With breakdown cover, you can get back to work and back to earning a living more quickly
- Legal protection – covering some or all the legal fees if you make a claim or have a claim made against you
- Personal accident – giving you a payout from your insurer if you’re injured, and you can’t recover the cost from a third party
If you’d some commercial vehicle insurance advice, or a free, no-obligation commercial vehicle insurance quote call us on (01733) 777799 or click here to start you quote.
How Much Does Commercial Vehicle Insurance Cost?
The cost of your policy will depend on things like:
- The type of vehicle(s) you’re looking to insure
- Where you drive and work
- The number of vehicles you have
- The type of work you do – hauliers will typically face higher premiums
- The level of cover you want – third party, third party fire, and theft, or fully comprehensive
- Your claims history
- Driver’s age
- Whether you want to pay monthly or annually – annually will usually be cheaper
- Your no level of no claims bonus
How To Save On Commercial Vehicle Insurance Quotes
There are several ways in which you can save on you insurance quotes, such as:
- Completing a risk assessment with your broker and seeing where you can save money
- Restricting young driver risks by only allowing them to drive when accompanied or in daylight
- Renewing your policy early and give your broker time to shop around for you
- Saying yes to a higher excess, the amount you pay in the event of a claim
- Securing your vehicles and using technology such as vehicle trackers, dashcams, and telematics
- Training drivers – a Department of Transport report suggested that if drivers had better hazard perception training, it could lead to an 11% reduction in collisions, and fewer collisions mean fewer claims and lower premiums
Commercial Vehicle Insurance FAQ
This can be a complex area of cover, so to help you get the protection you need, here are our commercial vehicle insurance frequently asked questions. If you’d some more commercial vehicle insurance advice, or a free, no-obligation commercial vehicle insurance quote call us on (01733) 777799 or click here to start you quote.
Get A Commercial Vehicle Insurance Quote
For a free, no-obligation commercial vehicle insurance quote call us on (01733) 777799 or click here to start your quote. Our team of specialists will search our markets to find you the right policy at the right price to keep your business protected.