commercial vehicle insurance

Exclusions & limitation

Please refer to the policy document for full terms and conditions.

The following exclusions and limitations apply to the commercial van insurance policy:

• Claims for your liability for loss of or damage to property occurring whilst you are carrying Hazardous Goods are limited to £1,000,000. For as full list please refer to the policy document.
• Loss of or damage to the Insured Vehicle arising from theft or attempted theft whilst the ignition key or other removable ignition device has been left in or on the Insured Vehicle
• Cover is not provided if your vehicle is lost by deception
• Goods or samples carried for any trade or business
• We will not insure You for Claims whilst any Vehicle insured by this Policy is being:
  • Used for any purpose that the Certificate of Motor Insurance does not allow
  • Driven by someone not allowed to drive by the Certificate of Motor Insurance
  • Driven by a person aged 17-24 and that person is not named on your Certificate of Motor Insurance
  • Driven by anyone not holding a licence to drive the Vehicle or being disqualified from having such a licence
  • We will not provide cover if the vehicle is used airside (see Exclusions to Section A – 8 of the policy document.)

Full details of the following are outlined in the Policy Document and/or on the Schedule accompanying your quotation/policy.

• Excesses may apply
• Specific endorsements may be applicable

General Conditions

Reasonable Precaution - You shall take all reasonable precautions to prevent the occurrence of loss, damage or liability and maintain the Insured Vehicle in an efficient and roadworthy condition. You must also take reasonable care when selecting employees.