Commercial vehicle insurance
When the vehicle is the business, the cover is not optional.
- Cover for goods carriers, passenger vehicles and tractors used commercially
- Legal liability cover for driver, cleaner and conductor
- Goods-in-transit cover available
- Fleet policies for multiple vehicles under one renewal date
Get a free commercial vehicle insurance quote
Fill in the details and an advisor will call you with options from multiple insurers.
A commercial vehicle earns money every day it runs and costs money every day it does not. That changes what you should be buying: the important number is not the premium, it is how fast the insurer gets a surveyor out and approves the repair.
We place cover for trucks, pickups, tempos, goods carriers and passenger vehicles, and we ask about your route and your usual garage before recommending anyone.
What you get
- Cover for goods carriers, passenger vehicles and tractors used commercially
- Legal liability cover for driver, cleaner and conductor
- Goods-in-transit cover available
- Fleet policies for multiple vehicles under one renewal date
- Claims desk that understands downtime costs money
What the policy covers
- Accident damage to the vehicle
- Theft, fire and explosion
- Natural calamity
- Third-party injury, death and property damage
- Legal liability to paid driver and staff
- Personal accident cover for the owner-driver
Documents you will need
- Registration Certificate (RC)
- Permit and fitness certificate
- Previous policy, for renewal
- Driver licence details
Commercial Vehicle Insurance — common questions
Can I use a private policy if I hire my vehicle out?
No, and this is the single most expensive mistake in this category. If a vehicle is used commercially under a private policy, the insurer can reject the claim outright on the grounds that the vehicle was being used contrary to the policy. Declare commercial use.
Does the policy cover the goods being carried?
Not by default. The motor policy covers the vehicle and third-party liability; the cargo needs separate goods-in-transit cover, which we can quote alongside.
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