Commercial Motor Insurance is designed for vehicles used for business purposes.

It can be arranged for anything from a single work vehicle through to a fleet.

Depending on the policy and level of cover selected, Commercial Motor Insurance can provide cover for:

• Accidental damage to the insured vehicle
• Theft
• Fire
• Damage to other people’s vehicles or property
• Towing and recovery costs
• Windscreen damage
• Replacement or hire vehicles, where covered
• Accessories or modifications disclosed to the insurer

Why does business use matter? #

The insurer needs to understand how the vehicle is actually used.

Examples can include:

• Travelling between worksites
• Carrying tools or equipment
• Visiting clients
• Delivering goods
• Carrying passengers
• Towing trailers
• Operating specialist or modified vehicles

A personal motor policy may not be suitable for every form of business use.

What levels of cover are available? #

Depending on the insurer, options can include:

• Comprehensive
• Third Party Property Damage
• Third Party Fire and Theft

Policy terms, driver restrictions, vehicle use and excesses vary between insurers.

It is also important to remember that tools or goods carried inside a vehicle are not necessarily insured simply because the vehicle itself is covered.

Contact our team if you need help arranging cover for a work vehicle or fleet.