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Commercial vehicle

Policy overview

Commercial vehicle

Our commercial motor team knows that not every business needs the same level of cover as a large fleet operator. 

Our commercial vehicle policy is designed for up to seven vehicles, covering loss, damage and third party liability. 

The policy includes
  • Foreign use
  • Skip and waste risks 
  • Third Party Property Damage
  • UK breakdown assistance
  • Uninsured loss recovery
  • Windscreen repair and replacement
What we cover
  • 5 tonne gross vehicle weight ratings and above
  • Builders
  • Concrete mixers
  • Continental haulage
  • Hauliers
  • Hazardous goods (excluding classes 1  and 7)
  • Hire and reward
  • Livestock carriers
  • New ventures
  • Non-hazardous tanker operators
  • Transport of own goods
  • Plant transporters
  • Scaffolders
  • Scrap metal dealers
  • Service vans incidental to the risk
  • Skip carriers
  • Tippers
  • Waste operators
What we normally decline
  • Breakdown and recovery vehicles
  • Bulk carriage of hazardous goods
  • Drivers under 21 years of age
  • Express parcel and mail delivery couriers
  • Modified vehicles
  • Risks without a valid operator licence
  • Vehicle and caravan transporters
  • Vehicles used in hazardous locations
  • Vehicles with ‘Q’ registration numbers