Commercial Motor Insurance is designed for vehicles used for business purposes, while Private Motor Insurance is primarily designed for personal vehicle use.

When can Commercial Motor be relevant? #

Examples include vehicles that are:

• Owned by a business
• Used extensively for business activities
• Used to carry tools, equipment or goods
• Used for deliveries
• Regularly driven between job sites
• Driven by employees
• Used by multiple business drivers
• Part of a fleet

Some Private Motor policies permit limited business use, but the permitted activities vary between insurers.

What other differences can apply? #

Depending on the policy, Commercial Motor Insurance may provide options or benefits relating to:

• Business use
• Multiple drivers
• Fleets
• Signwriting
• Substitute vehicles
• Downtime or hire vehicle benefits
• Commercial vehicle types

These features vary and should not be assumed to be automatically included.

Tools and equipment carried in a vehicle are also not necessarily covered by the motor policy.

Separate General Property Insurance may be relevant.

The insurer should have an accurate description of how the vehicle is actually used.

Contact our team if you are unsure whether a Commercial or Private Motor policy is appropriate for a vehicle.