Commercial vehicles insurance

Commercial vehicles insurance If your business depends upon its vehicles then you cannot afford to have them off the road due to an accident.

Whether you need to keep your employees on the move or make sure that your goods reach their destination, any interruption to your transport will cost you revenue - and maybe customers too! We can provide advice in vehicle related services including security and asset protection. We also help you with driver related issues such as training and safety management. Whether you own one small van or a fleet of heavy haulage vehicles, we will make sure you have the right cover and the lowest possible premium. We also understand how important it is that claims are handled quickly. Comprehensive claims service can include:

Approved repairers, guaranteed work.
Replacement vehicle, including lorries, vans and plant.
Full legal recovery service against third parties, including court action if required.
Group accident insurance for drivers and other occupants.
"New for old" settlement for total loss.

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More information on commercial vehicles insurance >

More information on commercial vehicles insurance

To whatever degree your business relies upon its vehicles and whether you operate just a few or a few hundred, they represent a substantial investment in capital and an important capability to generate revenue. It therefore makes sense to arrange effective insurance cover.

Vehicle use can also produce huge liabilities upon your business if someone is injured as a result of an accident. Third party insurance is a legal requirement and, as such, it is important to make sure this is correctly managed.

Insurance cover can be restricted to just third party risks only or a more comprehensive policy can insure for loss or damage to your vehicle. A tailored policy can be arranged to include temporary vehicles, perhaps on short term hire, or customers' vehicles whilst in your custody. For businesses involved in the motor trade, purpose-designed policies can provide a wide range of suitable cover.

A significant factor in commercial motor insurance is effective claims handling. In addition to dealing efficiently with repairs to your own vehicles, you need care and attention to third party claims to ensure that adverse settlements do not build up against your insurance history.

Some of the following matters might need consideration:

Access to the Motor Insurance Database (MID) for updates
Availability of driver training and risk management generally
Provision of claims statistics and reports to enable problem areas to be identified
Asset value protection - insuring "replacement as new" for your fleet vehicles

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