Specialist Vehicle Insurance
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Specialist Vehicle Insurance
Not every vehicle fits neatly into a standard car, van or commercial vehicle insurance policy. Specialist Vehicle Insurance is designed for vehicles with specific uses, modifications or characteristics that require a more tailored approach to insurance.
At 1st Choice Insurance, we help businesses and individuals arrange insurance for a wide range of specialist and non-standard vehicles. Whether you operate a road sweeper, digger, agricultural vehicle, concrete mixer or other purpose-built vehicle, we can help you explore suitable insurance options based on how your vehicle is used.
We can arrange cover for single specialist vehicles, multiple vehicles and fleets, depending on your circumstances.
Get a Specialist Vehicle Insurance Quote
Whether you need insurance for a single specialist vehicle or an entire fleet, we can help.
Call 03301 081615 or complete our quote form below.
What Is Specialist Vehicle Insurance?
Specialist Vehicle Insurance is a type of motor insurance for vehicles that have unusual specifications, specialist purposes or uses that may not fit a standard motor insurance category.
Specialist vehicles can include commercial vehicles, agricultural machinery, construction plant, modified vehicles and other vehicles designed or adapted for a particular purpose.
The appropriate insurance will depend on factors such as:
- The type and specification of the vehicle
- How the vehicle is used
- Where it is operated
- Whether it is road registered
- The business activities it is used for
- Who drives or operates it
- Any modifications or specialist equipment
- Whether you need cover for one vehicle or a fleet
Providing accurate information about your vehicle and its use helps insurers assess the risks and determine the appropriate cover.
Types of Specialist Vehicles We Can Help Insure
We can help arrange insurance for a wide range of specialist and non-standard vehicles, including:
- Road sweepers
- Refuse and waste collection vehicles
- Diggers and excavators
- Cherry pickers
- Pickup trucks
- Tractors and agricultural vehicles
- Combine harvesters
- Concrete mixers
- Tippers
- HGVs
- Road rollers and surfacing vehicles
- Plant and construction vehicles
- Wedding and funeral vehicles
- Vintage and classic vehicles
- Modified commercial vehicles
- Trade-specific vehicles
If your vehicle isn’t listed above, that doesn’t necessarily mean cover isn’t available. Contact our team to discuss your particular vehicle and requirements.
Who Needs Specialist Vehicle Insurance?
Specialist vehicle insurance can be suitable for businesses and individuals who own or operate vehicles designed for a particular purpose.
This can include:
Construction Businesses
Construction companies and contractors may use diggers, excavators, rollers, tippers, cherry pickers and other plant or specialist vehicles as part of their operations.
Agricultural Businesses
Farmers and agricultural contractors may require insurance for tractors, combines and other agricultural vehicles, depending on how they are used.
Waste and Recycling Businesses
Businesses involved in waste collection, recycling and environmental services may operate road sweepers, refuse vehicles, grab lorries and other specialist commercial vehicles.
Specialist Transport Operators
Businesses transporting materials, machinery or other goods may require insurance for vehicles with specialist bodies, equipment or adaptations.
Event and Chauffeur Businesses
Wedding cars, funeral vehicles and other specialist passenger vehicles may require insurance reflecting their particular use.
Vehicle Owners and Enthusiasts
Owners of classic, vintage, modified or unusual vehicles may require a specialist policy because their vehicle doesn’t fit a standard insurance category.
What Does Specialist Vehicle Insurance Cover?
The cover available will depend on your vehicle, its use and the policy selected. Options may include:
Comprehensive Vehicle Insurance
Comprehensive cover can provide protection for your own vehicle as well as third-party liability, subject to the terms, conditions and exclusions of the policy.
Depending on the policy, this may include insured risks such as accidental damage, fire and theft.
Third Party, Fire and Theft
This level of cover can provide third-party liability protection alongside cover for your vehicle following fire or theft, subject to the policy terms.
Third Party Only
Third-party insurance provides cover for your legal liability to third parties for injury or damage arising from the use of the insured vehicle, subject to the policy conditions.
Third-party motor insurance is the minimum level of motor insurance generally required for vehicles used on public roads in the UK.
Public Liability Insurance
If your specialist vehicle is used as part of your business, you may also need public liability insurance.
This is separate from motor insurance and can provide cover for certain claims involving third-party injury or property damage arising from your business activities.
Goods in Transit
If your vehicle is used to transport goods, materials or equipment, goods in transit cover may be available depending on what you carry and how it is transported.
Breakdown Cover
Breakdown assistance may be available as an optional additional cover, depending on the vehicle and insurer.
Fleet Insurance
If you operate several specialist vehicles, fleet insurance may be available. This can allow multiple vehicles to be insured under a single policy, depending on the insurer and your circumstances.
Benefits of Specialist Vehicle Insurance
Cover Reflecting Your Vehicle
Specialist insurance takes into account the type, purpose and use of your vehicle rather than treating it as a standard car or van.
Protection for Specialist Vehicles
Your vehicle may represent an important business asset. Appropriate insurance can help protect it against insured risks such as accidental damage, fire or theft.
Suitable Options for Different Uses
Whether your vehicle is used for construction, agriculture, waste management, transport or another specialist activity, cover can be considered around its specific use.
Options for Single Vehicles or Fleets
Depending on your circumstances, insurance can be arranged for individual specialist vehicles or multiple vehicles.
Separate Liability Protection
Where appropriate, public liability insurance can be arranged alongside your motor insurance to provide additional protection for business activities.
Cover That Can Be Reviewed
If your vehicle, business activities or circumstances change, your insurance can be reviewed to make sure your insurer has the correct information.
Why Choose 1st Choice Insurance?
Specialist vehicle insurance can involve more questions than a standard motor policy because every vehicle and its use can be different.
At 1st Choice Insurance, our team takes the time to understand what you use your vehicle for before discussing the available insurance options.
A Wide Panel of Insurers
We work with a wide panel of insurance providers, allowing us to review available options based on your vehicle and circumstances.
Cover for a Range of Vehicles
From road sweepers and diggers to agricultural vehicles and specialist commercial vehicles, we can help with a broad range of non-standard vehicle insurance requirements.
Tailored to Your Circumstances
We look at how your vehicle is used, who operates it and the nature of your business before discussing suitable cover options.
Support Throughout Your Policy
Your requirements can change over time. If you need to make changes to your vehicle, business use or policy, our team can help you understand what needs to be updated.
Frequently Asked Questions About Specialist Vehicle Insurance
What is classed as a specialist vehicle?
A specialist vehicle is generally one that has a particular purpose, unusual specification or modification that means it may not fit a standard motor insurance category. Examples include road sweepers, diggers, tractors, concrete mixers and other purpose-built commercial vehicles.
Can I insure a specialist vehicle for business use?
Specialist commercial vehicle insurance can be arranged for many vehicles used as part of a business. The available cover will depend on the vehicle, its use and the insurer’s criteria.
Can I insure a modified vehicle?
Modified vehicles can often be considered for specialist insurance, but you should provide full details of any modifications when arranging your policy.
Can I insure a specialist vehicle that is not used on public roads?
The insurance requirements for vehicles used exclusively on private land can differ from those for vehicles used on public roads. Tell us how your vehicle is operated so the appropriate options can be considered.
Can I insure several specialist vehicles under one policy?
Depending on your circumstances, fleet insurance may be available for multiple specialist vehicles. This can include certain combinations of commercial, agricultural, construction or other specialist vehicles.
Do I need public liability insurance as well as specialist vehicle insurance?
You may. Motor insurance and public liability insurance provide different types of protection. If your vehicle is used as part of a business, public liability insurance may be appropriate for risks arising from your wider business activities.
Is breakdown cover included?
Breakdown assistance may be available as an optional additional cover depending on the vehicle, insurer and policy selected.
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