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Commercial Vehicle Insurance
If your business relies on vehicles, arranging appropriate commercial vehicle insurance is an important part of managing risk. Whether you operate a single van, a fleet of commercial vehicles, or vehicles used to transport passengers, commercial vehicle insurance can provide cover for business use, subject to the policy terms and conditions.
At 1st Choice Insurance, we work with a panel of UK insurers to help businesses compare commercial vehicle insurance options. We arrange cover for a wide range of trades, professions and transport businesses operating across the UK.
Get a Commercial Insurance Vehicle Quote
If you’re looking for commercial vehicle insurance, we can help you explore the cover options available.
Call us today on 03301 081615 or complete our quote form below to request a call back from a member of the team.
What is Commercial Vehicle Insurance?
Commercial vehicle insurance is a type of motor insurance designed for vehicles used in connection with a business.
Unlike standard private car insurance, commercial vehicle insurance is intended for vehicles used to transport goods, equipment, tools, passengers or other business-related activities.
Depending on the policy selected, cover may include protection against accidental damage, fire, theft and third-party liability, as well as a range of optional covers to reflect how your vehicles are used.
Who Needs Commercial Vehicle Insurance?
Commercial vehicle insurance may be appropriate if your vehicle is used for business purposes, including:
- Transporting tools or equipment
- Delivering goods or materials
- Courier or parcel delivery services
- Mobile trades or service businesses
- Carrying passengers for hire or reward
- Haulage and logistics operations
- Construction and agricultural work
Businesses commonly arranging commercial vehicle insurance include:
- Courier companies
- Builders and construction businesses
- Plumbers, electricians and other trades
- Taxi and private hire operators
- Retailers offering delivery services
- Landscapers and gardening businesses
- Haulage companies
- Transport and logistics businesses
The cover required will depend on your vehicle, business activities and insurer underwriting criteria.
Types of Commercial Vehicle Insurance
We can help arrange insurance for a wide variety of commercial vehicles, including:
- Courier Van Insurance
- Commercial Fleet Insurance
- Courier Bike Insurance
- Taxi Insurance
- Taxi Fleet Insurance
- Taxi Base Insurance
- Taxi Driver Liability Insurance
- Chauffeur Insurance
- Van Fleet Insurance
- HGV Insurance
- Haulage Fleet Insurance
- Coach, Bus and Minibus Insurance
- Catering Van Insurance
- Food Truck Insurance
- Ice Cream Van Insurance
- Dog Grooming Van Insurance
- Tradesman Van Insurance
- Self Drive Hire Insurance
- Credit Hire Fleet Insurance
Availability will depend on the insurer’s acceptance criteria and the nature of your business.
Levels of Cover
The level of cover available will vary between insurers.
Third Party Only
Provides cover where you become legally liable for injury to another person or damage to third-party property. Damage to your own vehicle is not included.
Third Party, Fire and Theft
Includes Third Party cover together with cover for insured losses resulting from fire or theft.
Comprehensive
Comprehensive cover generally includes:
- Damage to your own vehicle
- Third-party liability
- Fire
- Theft
- Windscreen damage
- Accidental damage
The cover provided will depend on the policy selected.
Fleet Insurance
Businesses operating multiple vehicles may be able to insure them under one fleet policy, depending on insurer eligibility.
Optional Covers
Depending on the insurer and policy selected, additional cover may be available, including:
- Goods in Transit Insurance
- Public Liability Insurance
- Employers’ Liability Insurance
- Breakdown Assistance
- Legal Expenses Insurance
Optional covers will vary between insurers and may be subject to additional premiums.
Benefits of Commercial Vehicle Insurance
Commercial vehicle insurance can provide several practical benefits depending on the policy selected.
Cover for Business Use
Commercial vehicle insurance is designed for vehicles used as part of a business and can provide cover appropriate to business activities.
Flexible Cover Options
Policies can often be arranged for individual vehicles or fleets operating across a wide range of industries.
Optional Additional Covers
Many insurers offer optional covers such as Goods in Transit Insurance, Breakdown Assistance and Legal Expenses Insurance.
Fleet Policies
Businesses operating multiple vehicles may find fleet insurance provides a convenient way to manage cover under a single policy.
Support Following an Insured Event
Depending on the cover selected, insurance may assist with certain financial losses following an insured incident, subject to the policy terms and conditions.
At 1st Choice Insurance, we work with a panel of insurers to help businesses compare commercial vehicle insurance options.
Our team can:
- Discuss your business and vehicle requirements
- Explain the cover options available
- Obtain quotes from our insurer panel where appropriate
- Arrange cover for a wide range of commercial vehicle types
- Assist with policy amendments during the policy term
Whether you insure one commercial vehicle or manage a larger fleet, we can help you explore the insurance options available.
Frequently Asked Questions
What is commercial vehicle insurance?
Commercial vehicle insurance is motor insurance designed for vehicles used in connection with a business. The cover available will depend on the policy selected and the insurer’s terms.
Do I need commercial vehicle insurance?
If a vehicle is used for business purposes, you may require commercial vehicle insurance rather than standard private motor insurance. The type of cover required depends on how the vehicle is used.
Can I insure more than one vehicle?
Many insurers offer fleet insurance for businesses operating multiple vehicles, subject to their eligibility criteria.
What vehicles can be insured?
Insurance can often be arranged for vans, HGVs, lorries, taxis, minibuses, courier vehicles, pickup trucks and many other commercial vehicles.
Are Goods in Transit covered?
Goods in Transit Insurance is not usually included as standard but may be available as an optional cover depending on the insurer.
Is Breakdown Assistance included?
Breakdown Assistance is often available as an optional additional cover rather than being included automatically.
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